TERMS AND CONDITIONS OF INTERNATIONAL COMMERCIAL DEBT COLLECTION

Last Updated: November 2026

Company: Decarbin LLC
Country of Incorporation: United States of America
Email: [GENERAL EMAIL ADDRESS]

1. INTRODUCTION AND PURPOSE

These Terms and Conditions (“Terms,” “Agreement,” or “Terms and Conditions”) govern the international commercial debt collection services provided by Decarbin LLC (“Company,” “Agency,” “we,” “our,” or “us”).

The Company is a United States-based third-party commercial debt collection and accounts receivable recovery agency providing services to businesses, corporations, suppliers, manufacturers, wholesalers, distributors, professional service providers, and other commercial creditors worldwide.

The Company’s primary business activity is the recovery of outstanding commercial obligations owed by business entities to original creditors.

The Company acts as an authorized collection representative or servicing agent of the original creditor and does not acquire ownership of the underlying debt unless expressly agreed in a separate written agreement.

These Terms establish the general conditions under which the Company communicates with commercial debtors, administers collection accounts, coordinates international recovery services, and facilitates payment of outstanding commercial obligations.

All collection activity remains subject to the original contractual agreement between the creditor and debtor and all mandatory laws applicable to the relevant jurisdiction.

2. DEFINITIONS

For purposes of these Terms:

Agency: Refers to Decarbin LLC, its authorized personnel, and its properly appointed representatives.

Creditor: The original business, corporation, supplier, service provider, or other commercial entity legally entitled to receive payment of an outstanding obligation.

Debtor: The business, corporation, partnership, legal entity, or other commercial organization alleged to owe an outstanding monetary obligation to a creditor.

Commercial Debt: A monetary obligation arising from a business-to-business transaction, commercial contract, invoice, purchase order, delivery of goods, provision of services, or other business-related transaction.

Collection Account: An account referred to the Company by a creditor for collection, administration, or recovery services.

Authorized Representative: A person or entity appointed by the Company or creditor to perform legally permissible collection-related activities.

Original Documentation: Contracts, invoices, purchase orders, statements, delivery records, correspondence, account statements, and other evidence supporting a commercial obligation.

Collection Services: Lawful activities undertaken to recover outstanding commercial debts on behalf of creditors.

3. SCOPE OF SERVICES

The Company provides third-party international commercial debt recovery services, including:

International business-to-business invoice collection.
Recovery of overdue commercial accounts receivable.
Recovery of unpaid supplier and vendor invoices.
Recovery of unpaid wholesale and distribution invoices.
Recovery of unpaid manufacturing and production invoices.
Recovery of unpaid professional and business service fees.
Recovery of outstanding contractual commercial balances.
Recovery of unpaid international trade obligations.
Voluntary repayment negotiations.
Commercial settlement negotiations.
Payment arrangement coordination.
International accounts receivable administration.
Referral to authorized local collection agencies and legal professionals.
Coordination of appropriate commercial debt recovery proceedings.

The Company may provide services to creditors located in the United States or other countries and may pursue commercial debtors located in any jurisdiction where the relevant activity is lawful.

The Company does not guarantee successful recovery of any account.

4. THIRD-PARTY COLLECTION AUTHORITY

The Company operates as an independent third-party collection service provider.

The original creditor retains ownership of the underlying commercial debt unless a separate written agreement expressly provides otherwise.

The Company receives collection authority through an agreement, authorization, assignment of servicing rights, or other legally sufficient documentation from the creditor.

Such authority may include permission to:

Communicate with the debtor concerning the outstanding account.
Request payment of outstanding commercial obligations.
Obtain and review relevant account documentation.
Send account statements and payment reminders.
Negotiate repayment arrangements within the authority granted by the creditor.
Present settlement proposals subject to creditor approval.
Receive payments through authorized payment channels.
Coordinate referrals to authorized international collection partners or legal representatives.
Provide account updates and recovery reports to the creditor.

The Company will not represent itself as the owner of a debt unless ownership has legally transferred to the Company.

The Company will not claim to possess legal authority, court authority, or enforcement powers that it does not actually hold.

The Company may identify itself as an authorized collection representative of the creditor when communicating with the debtor.

5. COMMERCIAL DEBT ELIGIBILITY

The Company’s services are primarily intended for commercial obligations arising from transactions between businesses.

Eligible accounts may include obligations arising from:

Written commercial contracts.
Purchase orders.
Invoices for goods and merchandise.
International supply agreements.
Manufacturing agreements.
Distribution agreements.
Wholesale transactions.
Commercial service agreements.
Consulting and professional service contracts.
Business-to-business credit arrangements.
Other legally enforceable commercial transactions.

The Company does not intentionally solicit personal consumer debts, personal household debts, residential consumer credit obligations, or individual consumer lending accounts under this commercial collection program.

Where an account is determined to involve a consumer transaction, mixed-purpose transaction, sole proprietor, individual guarantor, or other potentially protected individual, the Company may suspend or modify collection activity pending a review of applicable legal requirements.

The characterization of an obligation as commercial will be determined by the underlying transaction and applicable law, not solely by the creditor’s designation.

6. CREDITOR REPRESENTATIONS AND WARRANTIES

The creditor referring an account to the Company represents and warrants, to the extent of its knowledge and authority, that:

It is legally entitled to receive the outstanding payment.
The underlying commercial transaction occurred.
The account information supplied is accurate and reasonably complete.
The amount referred for collection is supported by appropriate documentation.
Any claimed interest, contractual charges, and collection expenses have a valid legal or contractual basis.
The account has not been knowingly referred for collection after full payment or settlement.
Any applicable payments, credits, adjustments, and disputes have been disclosed.
The creditor has the necessary authority to disclose relevant account information to the Company.
The creditor has not knowingly misrepresented the legal status or enforceability of the obligation.
The creditor will notify the Company promptly of payments, credits, settlements, disputes, or changes affecting the account.

The Company may rely upon information supplied by the creditor, subject to reasonable verification and applicable legal requirements.

The Company reserves the right to reject, suspend, or return an account where documentation is insufficient, information appears materially inconsistent, or collection activity would create an unacceptable legal or compliance risk.

7. DEBT VERIFICATION AND SUPPORTING DOCUMENTATION

The Company may request and review documentation reasonably necessary to establish the existence, amount, and status of an alleged commercial debt.

Such documentation may include:

Original invoices.
Purchase orders.
Signed contracts.
Service agreements.
Delivery confirmations.
Shipping and receiving records.
Proof of performance.
Account statements.
Payment histories.
Correspondence between the creditor and debtor.
Credit notes and adjustments.
Written acknowledgments of outstanding balances.
Relevant settlement or payment agreements.

The Company will make reasonable efforts to provide relevant supporting account information upon a legitimate request, subject to confidentiality, privacy, and applicable legal requirements.

A debtor may dispute the existence, amount, enforceability, or ownership of an account.

The Company may contact the original creditor to investigate the dispute and request additional supporting documentation.

Where appropriate, collection activity will be suspended while a material dispute is investigated, particularly where suspension is required by applicable law.

8. COMMERCIAL DEBTOR COMMUNICATIONS

The Company may contact commercial debtors through lawful business communication channels, including:

Business email addresses.
Business telephone numbers.
Registered business addresses.
Postal correspondence.
Authorized electronic communication platforms.
Other legally permissible business communication methods.

Communications may concern outstanding invoices, overdue balances, account verification, payment arrangements, commercial settlements, and other matters related to recovery of the account.

The Company will conduct communications professionally and in accordance with applicable laws.

The Company prohibits:

Harassment, intimidation, and coercion.
Threats of unlawful action.
False or misleading representations.
Impersonation of courts, government agencies, attorneys, or law enforcement.
False statements concerning litigation or enforcement.
Unlawful disclosure of account information.
Contact with unrelated third parties for improper collection purposes.
Communications prohibited by the debtor’s local jurisdiction.

Where local law restricts communication frequency, timing, language, or methods, the Company will comply with those restrictions.

9. INTERNATIONAL COLLECTION REPRESENTATIVES

The Company may engage independent collection agencies, local commercial recovery firms, attorneys, legal professionals, or other authorized representatives in foreign jurisdictions.

International representatives may assist with:

Local debtor communications.
Commercial account verification.
Collection correspondence.
Local payment coordination.
Translation services.
Commercial settlement negotiations.
Legal referral coordination.
Other lawful recovery-related activities.

The Company will conduct reasonable due diligence concerning the appointment of international representatives.

Where local law requires a license, registration, professional qualification, or regulatory approval, the relevant activity will only be undertaken through appropriately authorized persons or entities.

International representatives must comply with applicable local collection, privacy, consumer protection, professional conduct, and commercial laws.

The Company does not represent that its United States registration automatically authorizes collection activities in foreign jurisdictions.

10. CURRENCY AND INTERNATIONAL PAYMENTS

Commercial debts may be denominated in United States Dollars, Euros, British Pounds, or other agreed currencies.

Payments must be made through payment channels authorized by the Company or the original creditor.

Where payment is made in a different currency from the original invoice currency:

An applicable exchange rate may be used.
Banks and payment intermediaries may impose transaction charges.
International wire transfers may involve intermediary deductions.
Currency conversion may affect the final amount received.

The Company will disclose applicable payment instructions and material charges where required.

Unless otherwise agreed, the debtor remains responsible for ensuring that the creditor receives the amount legally due, subject to the original agreement and applicable law.

The Company will not knowingly direct payments to unauthorized third-party accounts.

11. INTEREST, LATE PAYMENT CHARGES AND COLLECTION EXPENSES

Interest, late payment charges, collection costs, administrative fees, legal expenses, and other additional charges may only be pursued where authorized by the underlying agreement or applicable law.

The Company does not automatically acquire the right to impose additional fees merely because an account has been referred for collection.

Where applicable, commercial late payment rights may arise under the governing contract or mandatory national legislation.

For example, commercial transactions in certain European jurisdictions may be subject to national implementations of the EU Late Payment Directive 2011/7/EU.

The Company will not add:

Unauthorized collection commissions.
Uncontracted administrative fees.
Unlawful late payment charges.
Unsupported legal expenses.
Duplicate charges.
Expenses prohibited by mandatory local law.

Where a charge is disputed, the Company may request supporting documentation from the creditor.

12. DISPUTED COMMERCIAL ACCOUNTS

A debtor may dispute an account for reasons including:

Goods not received.
Goods received in damaged condition.
Services not performed.
Contractual nonperformance.
Incorrect invoicing.
Duplicate invoices.
Payments not properly credited.
Incorrect currency calculations.
Unauthorized additional charges.
Contractual set-off or counterclaims.
Expired limitation periods.
Lack of contractual authority.
Other legitimate commercial defenses.

A debtor should submit the dispute in writing and provide supporting information where reasonably available.

The Company may forward the dispute to the creditor for review.

The Company will not knowingly continue to assert an amount that the creditor has confirmed is incorrect.

A dispute does not automatically extinguish an obligation. Its effect will be determined by the underlying agreement and applicable law.

13. SETTLEMENT AND REPAYMENT ARRANGEMENTS

The Company may negotiate payment arrangements and commercial settlements within the authority granted by the creditor.

Unless expressly authorized in writing, the Company cannot independently waive principal balances, release contractual obligations, or agree to a full and final settlement.

Settlement proposals are subject to creditor approval where required.

Any accepted settlement or repayment arrangement should be documented in writing.

A partial payment does not automatically constitute full and final settlement unless expressly agreed.

The Company may communicate revised repayment proposals where authorized and legally permissible.

14. LIMITATION PERIODS AND TIME-BARRED COMMERCIAL CLAIMS

Commercial claims are subject to limitation periods that differ substantially between countries.

The applicable period may depend upon:

Governing law.
Contract type.
Place of performance.
Nature of the obligation.
Date payment became due.
Applicable acknowledgment or payment rules.
Whether a judgment has been obtained.

The Company will not knowingly misrepresent the enforceability of an expired or time-barred claim.

Referral of a claim to the Company does not automatically restart or extend any applicable limitation period.

Any acknowledgment, payment, or settlement proposal will be treated in accordance with applicable limitation laws.

15. INTERNATIONAL DATA PROTECTION AND PRIVACY

The Company may process information concerning commercial debtors, including corporate information and personal information relating to directors, employees, owners, guarantors, and authorized business contacts.

Information may include:

Names and business contact information.
Business addresses.
Corporate registration information.
Invoice and account references.
Payment histories.
Contractual documentation.
Business correspondence.
Relevant transaction records.
Information concerning authorized representatives.

The Company will process personal information in accordance with applicable data protection laws, including the EU General Data Protection Regulation, UK GDPR, applicable national privacy legislation, and other relevant international requirements.

Where the Company acts as a processor on behalf of a creditor, the parties will enter into an appropriate data processing agreement where required.

Where the Company acts as an independent controller, it will identify and document its applicable legal basis for processing.

The Company may share relevant information with:

The original creditor.
Authorized international collection partners.
Legal professionals.
Payment processors.
Financial institutions.
Technology and administrative service providers.
Regulatory authorities and courts where legally required.

The Company will implement reasonable organizational, technical, and contractual safeguards to protect information against unauthorized access, disclosure, alteration, or destruction.

16. INTERNATIONAL DATA TRANSFERS

The Company operates from the United States and may engage authorized representatives in foreign jurisdictions.

Personal information may therefore be transferred to or accessed from countries outside the country in which the information originated.

Such transfers will only occur subject to applicable international transfer requirements.

Where required, the Company will implement appropriate mechanisms, which may include:

EU Standard Contractual Clauses.
UK International Data Transfer Agreements.
UK Addendum to the EU Standard Contractual Clauses.
Applicable adequacy decisions or regulations.
Other legally recognized transfer safeguards.

The Company will conduct required transfer assessments and implement additional safeguards where necessary.

Where a transfer cannot lawfully be made, the Company will not proceed with that transfer unless a valid legal exception applies.

17. CONFIDENTIALITY AND COMMERCIAL INFORMATION

The Company will treat creditor and debtor account information as confidential, subject to applicable legal disclosure obligations.

Confidential information may include commercial contracts, pricing arrangements, account balances, payment histories, business correspondence, and financial records.

The Company will not knowingly disclose confidential information to unrelated parties for improper purposes.

Information may be disclosed where reasonably necessary for authorized collection services, legal proceedings, regulatory compliance, or other lawful business purposes.

18. NO LEGAL REPRESENTATION OR GUARANTEE OF ENFORCEMENT

The Company is a commercial debt recovery service provider and does not represent itself as a law firm, court, government authority, or judicial enforcement agency.

Unless separately authorized and legally qualified, the Company does not provide legal advice or act as legal counsel.

The Company does not guarantee:

Successful debt recovery.
Recognition of foreign contractual claims.
Recognition of foreign judgments.
Availability of debtor assets.
Commencement of litigation.
Successful enforcement proceedings.
Recovery of interest, legal fees, or additional costs.

Legal proceedings will be referred to appropriately qualified legal professionals in the relevant jurisdiction.

19. FOREIGN JUDGMENTS AND INTERNATIONAL ENFORCEMENT

The Company may coordinate with authorized legal professionals concerning the potential enforcement of commercial claims.

Foreign judgments are not automatically enforceable worldwide.

Recognition and enforcement may depend on:

Applicable international treaties.
Local court jurisdiction.
The originating court’s authority.
Proper service of proceedings.
Procedural compliance.
Local public policy.
Recognition and enforcement legislation.

The Company does not represent that a United States judgment or foreign judgment will automatically be recognized in another country.

20. EUROPEAN UNION AND EUROPEAN ECONOMIC AREA

For commercial debtors located in EU and EEA jurisdictions, the Company will comply with applicable European and national legislation.

Relevant legal frameworks may include:

General Data Protection Regulation (EU) 2016/679.
EU Late Payment Directive 2011/7/EU, as implemented by applicable national legislation.
Applicable national civil and commercial codes.
Applicable national debt collection and legal services legislation.
Relevant EU cross-border civil justice regulations.

The Company recognizes that the Late Payment Directive concerns commercial transactions and provides certain creditor rights concerning late payment, subject to national implementation and applicable exceptions.

The Company will not assume that every European country has identical collection procedures or fee rules.

For cross-border EU commercial claims, appropriate procedures may include the European Payment Order procedure under Regulation (EC) No. 1896/2006, where eligible.

The European Small Claims Procedure is generally limited to claims within its scope and should not be assumed to cover every commercial debt.

The Company will not initiate regulated legal services or judicial enforcement without the required authorization.

21. UNITED KINGDOM

For commercial accounts involving England, Wales, Scotland, or Northern Ireland, the Company will observe applicable UK legislation and regulatory requirements.

These may include:

Late Payment of Commercial Debts (Interest) Act 1998, where applicable.
UK GDPR.
Data Protection Act 2018.
Applicable contract legislation.
Applicable debt collection and financial services regulations.

The Company will not represent itself as FCA-authorized unless it actually holds the relevant authorization.

The application of the Consumer Credit Act 1974 and FCA consumer credit rules will be assessed where an account involves regulated credit or an individual rather than an ordinary commercial obligation.

22. COUNTRY-SPECIFIC ASIAN LEGAL REQUIREMENTS

For commercial debt collection activities involving Asian jurisdictions, the Company will comply with applicable local legislation and licensing requirements.

The following are important jurisdictional considerations:

Japan: The Act on Special Measures Concerning Claim Management and Collection Businesses restricts certain claim management and collection activities to authorized servicers. Activities requiring authorization will be conducted through appropriately qualified representatives.

Singapore: The Debt Collection Act 2022 regulates debt collection businesses, including collection on behalf of another person. Where collection activity is undertaken in Singapore, applicable business licensing and collector approval requirements must be satisfied.

India: Where accounts involve regulated financial institutions, applicable Reserve Bank of India outsourcing and recovery-agent requirements will be observed. The Company will not assume that all commercial trade invoices fall under banking recovery-agent rules.

China: Personal information processing and cross-border transfers will comply with applicable requirements under the Personal Information Protection Law, Data Security Law, Cybersecurity Law, and other relevant legislation.

Hong Kong: Applicable personal data privacy, commercial, and unfair trade practices legislation will be observed.

South Korea: Applicable Fair Debt Collection Practices Act and Personal Information Protection Act requirements will be assessed, including their application to commercial claims and relevant collection representatives.

Taiwan: Applicable Personal Data Protection Act, Civil Code, and consumer protection requirements will be observed where relevant.

Philippines: Applicable Data Privacy Act and relevant financial services regulations will be observed. Regulatory requirements applicable to financial institution recovery agents will not automatically be treated as applying to ordinary trade invoices.

Malaysia: Applicable Personal Data Protection Act 2010, as amended, and relevant commercial and financial services requirements will be observed.

Thailand: Applicable Debt Collection Act requirements will be assessed, including the scope of protected debtors and permitted collection activity.

Indonesia: Applicable Personal Data Protection Law, consumer protection legislation, and relevant financial sector regulations will be observed.

Vietnam: Applicable consumer protection, personal data protection, civil, and commercial legislation will be observed. The Company will not undertake activities prohibited under Vietnamese law.

United Arab Emirates: Applicable federal, emirate-level, financial free-zone, and data protection legislation will be assessed.

Saudi Arabia: Applicable Personal Data Protection Law, civil and commercial legislation, and relevant financial regulatory requirements will be observed.

The foregoing list is not exhaustive. The Company will conduct a jurisdiction-specific review before undertaking collection activity in any country where licensing, registration, or local representation is required.

23. WORLDWIDE JURISDICTIONAL COMPLIANCE

The Company may receive commercial collection accounts involving debtors located in:

North America.
South America.
Central America.
The Caribbean.
Europe.
Asia.
The Middle East.
Africa.
Australia and New Zealand.
Other international jurisdictions.

The Company will not interpret its United States business registration as permission to conduct regulated debt collection activity in every foreign jurisdiction.

Before undertaking regulated activities in a foreign country, the Company will determine whether local authorization, licensing, registration, professional representation, or other requirements apply.

Where the Company cannot lawfully conduct an activity directly, it may decline the account, suspend the activity, or refer it to an appropriately authorized local representative.

24. UNITED STATES LEGAL COMPLIANCE

The Company is organized and operates from the United States.

Its activities may be subject to applicable federal and state laws, including:

Applicable state collection agency licensing laws.
Applicable state commercial debt collection laws.
Federal and state privacy legislation.
Federal Trade Commission Act.
Applicable unfair or deceptive practices laws.
Other applicable federal, state, and local requirements.

The Fair Debt Collection Practices Act generally concerns qualifying consumer debts incurred primarily for personal, family, or household purposes. The Company does not rely on the commercial designation of an account as an exemption from other applicable federal or state laws.

The Company will review applicable state requirements concerning third-party commercial debt collection, licensing, disclosures, and permitted conduct.

25. COMPLAINTS AND DISPUTE RESOLUTION

Commercial debtors may submit account disputes or complaints through the following channels:

Email: [DISPUTE EMAIL]

A complaint should identify:

Debtor’s legal business name.
Creditor’s name.
Account or invoice reference.
Description of the complaint.
Supporting documentation, where available.

The Company will review complaints within a reasonable period and in accordance with applicable legal requirements.

Where a complaint concerns the accuracy of the original invoice or contractual obligation, the Company may refer the matter to the original creditor.

26. LIMITATION OF LIABILITY

To the maximum extent permitted by applicable law, the Company shall not be liable for indirect, incidental, special, punitive, or consequential damages arising from the administration of lawful collection services.

The Company does not guarantee the accuracy of information supplied by creditors, although it will take reasonable steps to identify apparent inconsistencies.

Nothing in these Terms excludes or limits liability for fraud, intentional misconduct, or any liability that cannot legally be excluded or limited.

Nothing in this section eliminates the Company’s responsibility for its own unlawful acts, data protection violations, or breach of applicable regulatory requirements.

27. CREDITOR INDEMNIFICATION

To the extent permitted by applicable law, the creditor shall indemnify and hold the Company harmless against third-party claims, losses, and reasonable expenses arising directly from:

Materially inaccurate or misleading account information supplied by the creditor.
The creditor’s lack of authority to refer the account.
The creditor’s failure to disclose material payments or settlements.
The creditor’s breach of its contractual or statutory obligations.
The creditor’s failure to obtain necessary rights or permissions to disclose account information.

This indemnification shall not apply to the extent a claim results from the Company’s own negligence, unlawful conduct, breach of contract, fraud, or failure to comply with applicable law.

28. TERMINATION AND ACCOUNT WITHDRAWAL

The creditor may request withdrawal of an account subject to the terms of the separate creditor service agreement.

The Company may suspend or terminate collection activity where:

The creditor withdraws collection authority.
The account is fully paid.
A material dispute remains unresolved.
Supporting documentation is insufficient.
The account appears fraudulent.
Collection is prohibited by applicable law.
The relevant jurisdiction requires authorization that is unavailable.
Continued collection would create a material compliance risk.

Termination of collection activity does not automatically extinguish the underlying commercial obligation.

29. GOVERNING LAW AND JURISDICTION

These Terms shall be interpreted in accordance with applicable laws governing the Company’s business operations and the relevant collection services.

The Company is organized under the laws of [Michigan, United States of America.

The Company’s registered state of incorporation does not automatically determine the governing law of the underlying commercial debt.

The validity, interpretation, enforceability, and limitation period of an underlying commercial obligation may be governed by the original creditor-debtor agreement and mandatory applicable law.

Nothing in these Terms excludes the jurisdiction of a competent court or requires a debtor to waive mandatory legal protections.

30. LANGUAGE AND TRANSLATION

The Company may provide translations of these Terms for international business users.

The English version will serve as the Company’s reference version unless another language is required by applicable law or agreed in writing.

Where local law requires a particular language or specific contractual disclosures, the Company will provide the required information in the appropriate form.

No translation will be interpreted to eliminate mandatory statutory rights.

31. ELECTRONIC COMMUNICATIONS

The Company may use electronic communications for account administration, payment instructions, account statements, settlement proposals, and other collection-related purposes.

Electronic records and signatures may be used where legally recognized.

The Company will comply with applicable requirements concerning electronic communications, formal notices, delivery, and service of documents.

32. AMENDMENTS

The Company may update these Terms periodically to reflect changes in international legislation, regulatory requirements, and business practices.

Revised Terms will be published with an updated effective date.

No amendment will retroactively eliminate accrued rights or override mandatory legal requirements.

33. SEVERABILITY

If any provision is found invalid, unlawful, or unenforceable in a particular jurisdiction, it shall be modified or excluded to the minimum extent necessary.

The remaining provisions shall remain effective to the extent permitted by law.

34. ENTIRE AGREEMENT AND PRECEDENCE

These Terms govern the general provision of the Company’s international commercial debt collection services.

They do not replace or supersede:

The original commercial contract.
The original invoice or purchase order.
A separate creditor service agreement.
A binding settlement agreement.
Mandatory national legislation.
Applicable privacy and data protection requirements.
A binding court order.

Where these Terms conflict with mandatory applicable law, mandatory law shall prevail.

Where a separate written agreement governs the Company’s relationship with a creditor, that agreement shall prevail over these general Terms to the extent of any inconsistency.

35. FINAL INTERNATIONAL COLLECTION DISCLAIMER

Decarbin LLC is an independent third-party commercial debt collection agency based in the United States.

The Company provides international commercial debt recovery services on behalf of original creditors and does not claim ownership of referred accounts unless ownership has legally transferred.

The Company does not represent itself as a government authority, court, law enforcement agency, or law firm.

The Company does not claim that its United States registration automatically authorizes it to conduct debt collection activities in every foreign country.

All international collection activities are subject to applicable local licensing requirements, commercial laws, data protection regulations, professional conduct rules, and other mandatory legal requirements.

The Company does not guarantee recovery of any debt or the outcome of any legal proceeding.

The designation of an account as commercial does not eliminate any statutory rights or protections applicable to the underlying transaction.

Where any provision of these Terms conflicts with mandatory applicable law, the mandatory legal requirements shall prevail.

36. OFFICIAL COMPANY CONTACT INFORMATION

Decarbin LLC

Country of Incorporation: United States of America

General Inquiries: [GENERAL EMAIL]

Commercial Account Disputes: [DISPUTE EMAIL]

Creditor Services: [CREDITOR EMAIL]

Privacy and Data Protection: [PRIVACY EMAIL]

Complaints: [COMPLAINTS EMAIL]

Payments: [PAYMENTS EMAIL]

Website: [WEBSITE URL]

END OF TERMS AND CONDITIONS