The fine print, in plain sight.

DADDYS KAKE ("DADDYS KAKE," "we," "us," or "our") is a brand owned and operated by WHITE OMAR LLC ("WHITE OMAR").

Unless otherwise expressly stated in writing, all websites, applications, portals, technology, services, content, branding and related offerings made available under the DADDYS KAKE name are operated by or on behalf of WHITE OMAR LLC.

References throughout this website or platform to "DADDYS KAKE," "we," "our," or "us" may refer to WHITE OMAR LLC doing business through the DADDYS KAKE brand, as applicable.

DADDYS KAKE is a technology and merchant-services brand. Certain payment-processing, acquiring, settlement, underwriting, banking, card-network, risk-management, compliance or other financial services may be provided by independent third-party service providers, payment processors, acquiring institutions, sponsor banks, payment facilitators or other regulated entities.

The identity and role of applicable third-party providers may vary depending upon the service, merchant, transaction, jurisdiction and contractual relationship.

DADDYS KAKE and WHITE OMAR LLC are not banks, credit unions or depository institutions.

Use of terms relating to payments, deposits, funding, settlement, accounts, financial technology or other financial concepts does not represent or imply that DADDYS KAKE or WHITE OMAR LLC is a chartered bank or other depository financial institution.

Banking, acquiring, settlement and other regulated financial services, where applicable, are provided through appropriately authorized third parties.

DADDYS KAKE may provide merchants with access to technology, software, payment-processing solutions, payment acceptance tools, merchant onboarding, point-of-sale solutions, invoicing, payment links, recurring-payment functionality, transaction reporting and related services.

Certain services may be provided, processed, underwritten or supported by third-party payment technology providers, processors, acquiring institutions, sponsor banks, card networks or other service providers.

Approval for payment-processing services is not guaranteed.

Merchant applications may be subject to:

• identity verification
• business verification
• beneficial ownership verification
• underwriting
• risk review
• fraud screening
• sanctions and compliance screening
• bank-account verification
• card-network requirements
• industry restrictions
• transaction-volume limitations
• reserve requirements
• additional documentation
• other requirements imposed by applicable service providers, financial institutions, card networks, laws or regulations

DADDYS KAKE does not guarantee that any applicant will be approved, that an account will remain approved indefinitely, or that any particular processing limit, settlement schedule, reserve arrangement, hardware configuration or pricing structure will be available.

Certain services accessible through DADDYS KAKE may rely upon technology and infrastructure supplied by third parties.

Those third parties may perform functions including, without limitation:

• payment processing
• merchant underwriting
• KYC/KYB verification
• fraud monitoring
• risk management
• transaction authorization
• payment settlement
• chargeback processing
• card-network connectivity
• ACH processing
• terminal connectivity
• tokenization
• other payment-related services

The use of DADDYS KAKE does not eliminate the applicability of any separate agreement between a merchant and an applicable processor, payment facilitator, acquiring institution, sponsor bank, technology provider or other third party.

Where there is a conflict between general information appearing on the DADDYS KAKE website and the terms of a binding merchant-services or payment-processing agreement, the applicable executed agreement controls with respect to the services governed by that agreement.

Processing rates, fees and other pricing displayed or discussed on this website are not binding unless expressly incorporated into an executed agreement applicable to the merchant.

Actual pricing may vary based upon factors including:

• business type
• industry
• processing volume
• average transaction amount
• method of payment acceptance
• card type
• card network
• transaction type
• risk profile
• processing history
• chargeback history
• hardware
• software
• gateway requirements
• other underwriting or commercial considerations

No website advertisement, calculator, illustration, example or estimate constitutes a guaranteed processing rate unless expressly identified as such in a binding written agreement.

DADDYS KAKE may provide calculators, statement analyses, comparisons, estimates or other tools intended to help merchants understand their current payment-processing costs and evaluate potential alternatives.

ALL CALCULATIONS, SAVINGS ESTIMATES AND COMPARISONS ARE FOR INFORMATIONAL AND ILLUSTRATIVE PURPOSES ONLY UNLESS EXPRESSLY STATED OTHERWISE IN WRITING.

Estimated savings are not guaranteed.

Actual processing costs may vary based upon transaction mix, interchange, card type, payment method, card-network assessments, transaction volume, average ticket, merchant category, chargebacks, refunds, hardware, gateway services, optional services, pricing arrangements and other factors.

A calculation indicating that a merchant "could save," "may save," or potentially reduce processing expenses does not constitute a guarantee that such savings will occur.

Final pricing should be determined from an individualized review and the applicable written merchant agreement.

Merchants may voluntarily provide existing processing statements or related documents to DADDYS KAKE for analysis.

Any analysis generated from those documents depends upon the accuracy, completeness and legibility of the information supplied.

Automated or artificial-intelligence-assisted extraction technologies may be used to assist in reviewing documents where disclosed and permitted.

Automated analysis may contain errors.

Material pricing decisions should not be based solely upon automated extraction without appropriate verification.

By submitting a processing statement, the submitting party represents that it is authorized to provide the document and request its analysis.

DADDYS KAKE does not guarantee:

• a specific amount of savings
• increased revenue
• increased profitability
• increased transaction volume
• improved creditworthiness
• approval for financing
• approval for payment processing
• elimination of chargebacks
• continuous availability of processing services
• any particular business outcome

Every business is different.

Past results, examples, illustrations, testimonials or hypothetical calculations do not guarantee future results.

References to "same-day," "next-day," "instant," "fast" or other settlement or funding speeds are subject to eligibility and the capabilities, schedules, policies and requirements of applicable processing and financial-institution partners.

Settlement timing may be affected by weekends, holidays, risk reviews, transaction type, bank processing schedules, reserves, holds, disputes, suspected fraud, compliance reviews and other circumstances.

No settlement timeframe should be considered guaranteed unless expressly stated in an applicable binding agreement.

Merchants remain responsible for complying with applicable card-network rules, refund obligations, dispute requirements and the terms of their merchant agreements.

Depending upon the applicable merchant agreement and provider requirements, merchants may be financially responsible for chargebacks, refunds, reversals, assessments, fines, negative balances or other payment-related liabilities.

Payment processors, acquiring institutions, payment facilitators or other authorized parties may establish reserves, delay settlements, impose processing limitations or take other risk-management actions where permitted by the applicable agreement and law.

Availability and compatibility of payment terminals, card readers, mobile devices, point-of-sale equipment and related hardware may vary.

References to particular capabilities do not guarantee compatibility with every merchant, processor, software environment or processing configuration.

Hardware may be manufactured, distributed, supported or serviced by third parties.

Applicable warranties, return policies, leases, purchase agreements and support terms may be governed by separate terms.

DADDYS KAKE may maintain referral, affiliate, independent sales, strategic partner or similar programs.

Participation is subject to approval and a separate written agreement where required.

No individual or entity is authorized to represent itself as an employee, agent, legal representative, payment processor, bank or authorized representative of WHITE OMAR LLC or DADDYS KAKE merely because it participates in a referral program.

Referral partners may not:

• make unauthorized pricing guarantees
• guarantee merchant approval
• misrepresent products or services
• make misleading savings claims
• represent themselves as employees unless actually employed
• bind DADDYS KAKE or WHITE OMAR LLC to any agreement
• collect sensitive payment credentials without authorization
• engage in deceptive, unlawful or unauthorized marketing practices

Compensation is governed exclusively by the applicable referral or partner agreement.

Dashboard estimates, projected commissions or pending compensation do not constitute amounts legally earned or payable until all requirements of the applicable agreement have been satisfied.

Unless expressly stated otherwise in writing, referral partners, independent sales representatives, contractors, technology providers, processors and other third parties are independent entities.

Nothing contained on this website creates a partnership, joint venture, fiduciary relationship, employment relationship or agency relationship except where expressly established by a written agreement.

DADDYS KAKE may, where appropriate and legally permitted, introduce merchants to separate business-financing products or services.

Payment-processing services and business-financing services are separate products unless expressly stated otherwise.

Any financing products promoted through or in connection with DADDYS KAKE may be offered or arranged through WHITE OMAR LLC, DaddysBank.com, third-party financing providers, lenders, funders or other parties, as applicable.

Financing approval is not guaranteed.

Nothing contained on this website constitutes a commitment to lend, extend credit or provide financing.

Specific financing products are subject to their own eligibility requirements, underwriting standards, disclosures, agreements and applicable laws.

Information provided through DADDYS KAKE is intended for general informational and commercial purposes.

Nothing on this website constitutes individualized:

• legal advice
• tax advice
• accounting advice
• investment advice
• financial-planning advice

Users should consult qualified professionals regarding their particular circumstances when appropriate.

Users are responsible for maintaining the confidentiality and security of their login credentials.

Users must provide accurate and current information.

Users may not:

• impersonate another person
• access another user's account without authorization
• misrepresent authority over a business
• attempt to bypass security controls
• interfere with the platform
• use automated methods to access restricted systems without authorization
• use the platform for fraudulent or unlawful activity

Users must promptly notify DADDYS KAKE of suspected unauthorized account access.

By creating an account, submitting an application or otherwise agreeing to electronic communications where required, users may consent to receive documents, notices, disclosures and communications electronically.

Where legally required, separate consent will be obtained for marketing communications.

Consent to transactional communications does not automatically constitute consent to receive promotional text messages where separate consent is required by law.

Users should maintain accurate contact information.

Where a user expressly provides any legally required consent, DADDYS KAKE may communicate by telephone or text message regarding requested services, account activity, applications, support or other authorized purposes.

Marketing text messages will be subject to applicable consent requirements.

Consent to receive marketing text messages must not be made a condition of purchasing services where prohibited by law.

Message and data rates may apply.

Users must be provided with appropriate methods for withdrawing consent from applicable communications.

DADDYS KAKE respects the importance of protecting business and personal information.

Collection, use, disclosure, retention and protection of personal information are governed by our Privacy Policy and applicable agreements.

Sensitive payment information should be transmitted and processed using approved secure payment technologies.

DADDYS KAKE does not intend for its general website forms or ordinary profile fields to collect full payment-card numbers, CVV codes, online-banking passwords or other sensitive authentication data unless the applicable form has been specifically designed, secured and authorized for that purpose.

DADDYS KAKE uses administrative, technical and organizational measures intended to protect information.

However, no electronic system, internet transmission, database or storage environment can be guaranteed to be completely secure.

Users are responsible for maintaining reasonable security practices and immediately reporting suspected unauthorized access.

DADDYS KAKE will never intentionally request that users transmit passwords, full payment-card credentials or other sensitive authentication information through unsecured email, social-media direct messages or other unauthorized channels.

Users should verify suspicious communications through official DADDYS KAKE contact methods.

DADDYS KAKE is not responsible for fraudulent websites, impersonators, social-media accounts or communications operated by unauthorized third parties, subject to applicable law.

DADDYS KAKE services may not be used for unlawful, fraudulent, deceptive or prohibited activities.

Certain businesses, industries, products or services may be prohibited or restricted by law, card-network rules, acquiring institutions, processors, sponsor banks or risk policies.

DADDYS KAKE and applicable service providers reserve rights available under applicable agreements and law to reject, restrict, suspend or terminate access where required or permitted.

The DADDYS KAKE name, branding, logos, slogans, designs, website content, software interfaces, graphics and other proprietary materials are owned by WHITE OMAR LLC or used under appropriate authorization, except where otherwise indicated.

DADDYS KAKE, Have Your Kake & Eat It Too., Your Business. Your Money. Your Kake., and other associated brand identifiers may constitute trademarks, service marks, trade dress or other proprietary intellectual property of WHITE OMAR LLC to the extent rights exist under applicable law.

Nothing on this website grants any person permission to reproduce, imitate, modify, distribute, commercially exploit or otherwise use DADDYS KAKE intellectual property except as expressly authorized in writing.

All third-party trademarks remain the property of their respective owners.

Unless otherwise indicated, original content made available through DADDYS KAKE is © 2026 WHITE OMAR LLC. All rights reserved.

No content may be reproduced, republished, distributed, sold or commercially exploited without authorization except as permitted by applicable law.

The DADDYS KAKE platform may integrate with or link to third-party websites, financial institutions, processors, software, APIs or other services.

Third-party services are governed by their respective terms and privacy practices.

A link, integration or reference does not necessarily constitute an endorsement.

DADDYS KAKE is not responsible for the independent acts, omissions, content or policies of third parties except to the extent responsibility cannot legally be excluded.

DADDYS KAKE does not warrant uninterrupted or error-free availability.

Services may occasionally be unavailable because of:

• maintenance
• software updates
• internet outages
• processor outages
• banking disruptions
• card-network disruptions
• cybersecurity events
• third-party failures
• force majeure events
• circumstances outside our reasonable control

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE WEBSITE, PLATFORM AND GENERAL INFORMATION ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.

EXCEPT FOR WARRANTIES EXPRESSLY PROVIDED IN A WRITTEN AGREEMENT OR WARRANTIES THAT CANNOT LAWFULLY BE DISCLAIMED, WHITE OMAR LLC DISCLAIMS IMPLIED WARRANTIES INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.

Nothing in this provision eliminates rights that cannot legally be waived.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW AND SUBJECT TO ANY DIFFERENT LIABILITY PROVISIONS CONTAINED IN AN APPLICABLE EXECUTED AGREEMENT, WHITE OMAR LLC AND DADDYS KAKE WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE OR CONSEQUENTIAL DAMAGES ARISING FROM USE OF THE GENERAL WEBSITE OR PLATFORM, INCLUDING LOST PROFITS, LOST BUSINESS OPPORTUNITIES OR LOSS OF DATA.

Any monetary limitation applicable to particular paid services should be stated in the governing service agreement.

Nothing in these terms excludes liability that cannot lawfully be excluded or limited.

To the extent permitted by applicable law, users agree to indemnify and hold harmless WHITE OMAR LLC, DADDYS KAKE and their applicable officers, managers, employees and agents from third-party claims arising from the user's:

• unlawful use of the platform
• fraud
• material violation of these terms
• infringement of third-party rights
• unauthorized representations
• submission of information or documents the user had no right to provide

Any additional indemnification obligations applicable to merchant-processing services are governed by the applicable merchant agreement.

Different DADDYS KAKE products may be governed by different agreements.

These may include:

• Website Terms of Use
• Privacy Policy
• Merchant Services Agreement
• Payment Processing Agreement
• Electronic Communications Consent
• Referral Partner Agreement
• Hardware Agreement
• Software Agreement
• Acceptable Use Policy
• agreements supplied by payment processors, acquiring institutions, sponsor banks or other providers

Users should review all applicable agreements before using the relevant service.

These general website terms shall be governed by the laws specified in the applicable Terms of Use, without regard to conflict-of-law principles.

The governing law, venue and dispute-resolution procedures applicable to payment-processing, merchant, partner or other contractual relationships may be separately established in the governing agreement for that relationship.

Any arbitration requirement, class-action waiver, jury-trial waiver, venue provision or similar dispute-resolution provision should be contained in the applicable binding Terms of Use or service agreement and presented in a manner reasonably designed to obtain legally effective assent.

DADDYS KAKE will not rely solely upon the existence of a footer link to establish agreement to material dispute-resolution provisions.

DADDYS KAKE may update website policies periodically.

The effective date and last-updated date are displayed prominently on this page.

Where applicable law or contract requires advance notice or renewed consent for a material change, DADDYS KAKE will use the applicable required process.