Privacy Policy

This Privacy Policy ("Policy") describes how C&F Capital Group LLC ("Optain," "we," "us," or "our") collects, uses, shares, and protects personal information obtained through our websites, products, programs, events, and related services, including optain.co and all associated subdomains and digital assets (collectively, the "Website").

We are committed to transparency and compliance with all applicable privacy laws, including the California Consumer Privacy Act (CCPA), California Privacy Rights Act (CPRA), Federal Trade Commission Act, CAN-SPAM Act, Telephone Consumer Protection Act (TCPA), and the General Data Protection Regulation (GDPR).

By accessing or using this Website, you agree to the terms of this Privacy Policy.

Information We Collect

Optain collects and processes personal information for the following purposes:

• To provide, manage, and improve our services, including credit education, business consulting, and marketing programs;
• To communicate with you regarding services, events, updates, or promotional opportunities;
• To facilitate marketing, analytics, lead generation, and sales operations;
• To match users with relevant third-party products or services;
• To comply with legal obligations and maintain security and integrity; and
• To generate business leads and connections between consumers, entrepreneurs, and trusted partner organizations.

Optain's mission includes facilitating access to funding and educational resources. Accordingly, we collect and share certain user information with select third-party affiliates, partners, and resellers whose products or services may align with user interests.

Registered Users

Registration may require you to voluntarily disclose:

• Name, email, phone, business address
• Business details and financial profile
• Communications history with our team

How We Collect Information

We collect information in the following ways:

A. Information You Provide Voluntarily

• Name, email address, phone number, and mailing address;
• Business name, title, and industry information;
• Financial or professional information voluntarily provided through consultations or applications;
• Payment or billing information for educational or consulting services;
• Survey responses, feedback, or customer service communications; and
• Marketing preferences and communication history.

B. Information Collected Automatically

When you visit the Website, we may collect automatically:

• IP address, browser type, and operating system;
• Device information and referring URL;
• Pages viewed, time spent on site, and interaction data;
• Cookies, pixels, beacons, and analytics identifiers.

C. Information from Third Parties

We may also obtain information from:

• Advertising platforms, analytics providers, and lead databases;
• Social media integrations (e.g., Facebook, LinkedIn, Instagram);
• Public or commercial data sources; and
• Affiliate or marketing partners.

Cookies and Tracking Technologies

We use cookies and other tracking technologies to:

• Personalize content and user experience;
• Improve performance, functionality, and analytics;
• Measure campaign effectiveness and website traffic; and
• Support remarketing and lead distribution.

You can disable cookies through your browser settings, though some Website features may not function properly if cookies are disabled.

Google Analytics and Advertising Technologies

Optain uses Google Analytics, Meta Pixel, and similar tools to understand visitor behavior and improve performance. These tools may collect:

• Demographic data (age, interests, geographic location);
• Usage data such as pages visited and time spent; and
• Referrer information (ads, search engines, or social platforms).

This data is used in aggregated form for analytical and marketing purposes. Google's use of collected data is governed by the Google Privacy Policy.

Users may opt out of Google Analytics tracking at any time by visiting: https://tools.google.com/dlpage/gaoptout

How We Use Your Information

We may use your personal information to:

• Provide, operate, and improve our services and educational content;
• Respond to inquiries and communicate about products or promotions;
• Deliver advertisements and marketing materials relevant to your interests;
• Analyze Website activity and enhance performance;
• Comply with legal requirements and protect against fraud; and
• Create and sell or license business leads to trusted third parties, affiliates, or partners who offer financial, educational, or business-related products and services that may be of interest to you.

How We Share or Sell Information

A. Lead Generation and Data Sharing

Optain may share, license, or sell contact information, including name, email address, phone number, and business-related details ("Lead Data"), to vetted third-party partners and affiliates for marketing, funding, credit, or business development purposes.

We ensure that all such third parties are required by written agreement to:

• Use data in compliance with applicable privacy laws;
• Maintain appropriate data protection safeguards; and
• Provide individuals with opt-out or unsubscribe options in their communications.

You have the right to opt out of the sale or sharing of your personal information at any time by emailing privacy@optain.co or by clicking the "Do Not Sell or Share My Personal Information" link on our Website.

B. Other Sharing Circumstances

We may also share information:

• With service providers that perform business functions (e.g., hosting, billing, analytics, customer service);
• To comply with laws, subpoenas, or legal processes;
• In the event of a merger, acquisition, or asset transfer; or
• When necessary to protect rights, property, or safety of Optain, its clients, or the public.

We do not sell sensitive personal information such as financial account numbers, Social Security numbers, or government IDs.

Social Media and Third-Party Platforms

Our Website may include integrations with social platforms (e.g., Facebook, Instagram, YouTube, LinkedIn). These services may collect your IP address, browsing activity, and set cookies.

Interactions are governed by each platform's respective privacy policies.

Data Security

We use industry-standard administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, or misuse.

These include SSL encryption, access controls, and regular audits.

However, no online transmission is entirely secure; use of our Website and services is at your own risk.

Data Retention

We retain personal information only for as long as necessary to fulfill the purposes described herein or as required by law. When no longer needed, information is deleted or anonymized.

Your Rights and Choices

Depending on your jurisdiction, you may have rights to:

• Access, update, or correct your personal data;
• Request deletion of personal data;
• Restrict or object to data processing;
• Withdraw consent for marketing or lead sharing; and
• Request data portability.

To exercise your rights, contact us at privacy@optain.co. We will respond within the timelines required by applicable law.

California Consumer Privacy Rights (CCPA/CPRA)

If you are a California resident, you have the right to:

• Request to know what categories of personal information we collect, use, disclose, or sell;
• Request deletion of personal data (subject to legal exceptions);
• Opt out of the sale or sharing of personal data;
• Correct inaccurate personal data; and
• Receive equal service and pricing, even after exercising your rights.

Optain sells contact information to third-party marketing and financial partners in accordance with CCPA and CPRA regulations. You may opt out of the sale of your information at any time by:

• Emailing privacy@optain.co, or
• Clicking the "Do Not Sell or Share My Personal Information" link on our Website.

We will honor verified requests within the time required by law and maintain proof of compliance.

GDPR and International Users

For users located in the European Economic Area (EEA) or United Kingdom, Optain acts as a Data Controller. Under the General Data Protection Regulation (GDPR), you have the following rights:

• Access to your personal information;
• Rectification or correction of inaccurate data;
• Erasure ("Right to be Forgotten");
• Restriction or objection to processing; and
• Data portability.

Legal basis for processing includes user consent, contractual necessity, legitimate interest, and compliance with legal obligations.

To exercise these rights, email privacy@optain.co with "GDPR Request" in the subject line.

Data is processed and stored in the United States, where privacy laws may differ from those in your jurisdiction.

Children's Privacy

Our Website is not directed to individuals under 18 years of age.

We do not knowingly collect data from minors. If such information is discovered, it will be deleted promptly upon notice.

Third-Party Links and Liability Disclaimer

The Website may include links to third-party websites, applications, or services. Optain is not responsible for and disclaims all liability for the content, practices, or policies of such third parties.

Engagement with third-party affiliates or lead buyers is at your own risk. Users are encouraged to conduct their own due diligence before engaging in any transaction.

Compliance with Law and Law Enforcement

We may disclose information where required by law or governmental request, to enforce our agreements, prevent fraud, or protect against harm to users or the public.

Changes to This Policy

We may update this Policy periodically to reflect business, legal, or regulatory changes.

Revisions will be posted on this page with a new "Last Updated" date. Continued use of our Website after such updates constitutes acceptance of the revised Policy.

Contact Us

Questions about this Privacy Policy can be directed to privacy@optain.co.