Terms & Conditions

Welcome to Optain. By accessing or using our website and services, you agree to be bound by these Terms and Conditions. If you do not agree, please discontinue use.

Acceptance of Terms

These Terms govern your use of all content, information, products, and services made available by C&F Capital Group LLC through the Website or any other online property we operate. By using the Website, you represent that you are at least 18 years of age and have the legal authority to enter into this agreement. C&F Capital Group LLC reserves the right to modify or update these Terms at any time without prior notice. Continued use of the Website after updates constitutes acceptance of the revised Terms.

About Optain

C&F Capital Group LLC is a business education and consulting company specializing in credit education, funding strategies, and entrepreneurial development. We provide informational and educational resources, including courses, workshops, and consulting programs. We also facilitate business-to-business lead generation, connecting users with trusted third-party affiliates and partners whose services may be of interest.

The information, materials, and resources provided by us are for educational and informational purposes only. All content is designed to promote financial literacy, responsible credit use, and general awareness of business funding strategies.

We are not a bank, lender, financial institution, or law firm, and do not provide legal, tax, accounting, or investment advice. Nothing contained on this website, in any workshop, consultation, or communication should be interpreted as personalized financial, legal, or professional advice. Individuals are encouraged to consult with a qualified attorney, accountant, or licensed financial advisor before making any financial or business decisions.

While examples, testimonials, or case studies may be shared to illustrate potential outcomes, no guarantees or assurances of specific results, approvals, or credit limits are made or implied. Each individual's financial situation is unique, and results will vary depending on personal credit history, business structure, financial standing, and market conditions.

We do not promise, warrant, or represent that participation in any educational program, consultation, or service will result in approval for any particular credit product, funding amount, or business outcome. All actions taken based on the information provided are at the user's own discretion and risk.

By using this website you acknowledge that you have read, understood, and agree to this disclaimer.

User Responsibilities

You agree to use this Website and all related materials lawfully and only for their intended purposes. You may not:

• Use the Website for any fraudulent, unlawful, or misleading activity;
• Impersonate another person or entity, or misrepresent your affiliation with C&F Capital Group LLC;
• Attempt to gain unauthorized access to any portion of the Website, data, or systems;
• Scrape, copy, or reproduce content for commercial use without written permission; or
• Interfere with the proper functioning, security, or performance of the Website.

Violation of these Terms may result in suspension or termination of your access and potential legal action.

Eligibility

Our services are intended for U.S.-based businesses and individuals 18 years or older. Some products may have additional eligibility requirements.

Intellectual Property

All content on the Website, including text, graphics, logos, videos, icons, software, and educational materials, is the exclusive property of C&F Capital Group LLC or its licensors and is protected by U.S. and international copyright, trademark, and intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use the Website for personal or internal business purposes. You may not:

• Reproduce, distribute, or publicly display any content without prior written consent;
• Modify, reverse-engineer, or create derivative works of Website materials; or
• Remove any copyright or proprietary notices.

All trademarks, service marks, and logos are the property of their respective owners and may not be used without authorization.

Third-Party Affiliates and Partner Relationships

C&F Capital Group LLC may provide access to, refer you to, or share your contact information with third-party affiliates, service providers, or partners ("Third Parties") who offer products or services related to funding, business credit, financial literacy, or entrepreneurship.

You acknowledge and agree that:

• C&F Capital Group LLC may sell, license, or share your business contact information (leads) with trusted partners for marketing or commercial purposes, consistent with our Privacy Policy and applicable law;
• C&F Capital Group LLC does not control or endorse any Third Party or their products, services, or representations; and
• You are solely responsible for performing your own due diligence before engaging with any Third Party.

C&F Capital Group LLC expressly disclaims liability for any actions, omissions, loss, or damages arising from your interaction with Third Parties, including affiliates, advertisers, or vendors.

Your participation in any Third-Party offer or service is at your own risk, and all dealings are solely between you and the Third Party.

No Financial, Legal, or Professional Advice

All information provided by C&F Capital Group LLC is for educational and informational purposes only.

Nothing on the Website or in our communications constitutes:

• Financial or investment advice;
• Legal, accounting, or tax advice; or
• Any guarantee of business or financial outcomes.

You should consult with a licensed attorney, accountant, or financial professional before making any business, credit, or investment decisions.

C&F Capital Group LLC makes no warranties or guarantees regarding credit approvals, funding results, or business performance. Individual results vary based on personal and financial circumstances.

Disclaimer of Warranties

The Website and all services are provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, express or implied.

C&F Capital Group LLC does not guarantee:

• The accuracy, completeness, or reliability of any content;
• That the Website will be uninterrupted or error-free; or
• That any information obtained will lead to specific outcomes or results.

To the fullest extent permitted by law, C&F Capital Group LLC disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Limitation of Liability

To the maximum extent permitted by law, C&F Capital Group LLC and its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, including loss of profits, data, reputation, or business opportunities, arising out of:

• Use of or inability to use the Website or services;
• Any reliance on information provided by C&F Capital Group LLC;
• Any transaction or relationship with a Third Party; or
• Any unauthorized access or alteration of your data.

In all cases, C&F Capital Group LLC's total cumulative liability shall not exceed the amount paid by you to C&F Capital Group LLC, if any, for the specific service giving rise to the claim.

Indemnification

You agree to indemnify, defend, and hold harmless C&F Capital Group LLC, its affiliates, employees, and representatives from any claims, losses, damages, liabilities, or expenses (including reasonable attorneys' fees) arising from:

• Your use of the Website or services;
• Your violation of these Terms or applicable law; or
• Your interaction or transaction with any Third Party introduced or referenced by C&F Capital Group LLC.

Privacy and Data Rights

Your use of the Website is also governed by our Privacy Policy, which details how we collect, use, share, and protect your personal information, including the sale of lead data and your rights under the CCPA, CPRA, and GDPR.

By using the Website, you acknowledge that you have read and understood our Privacy Policy and consent to the collection, use, and sharing of your data as described therein.

To exercise your privacy rights, including opting out of the sale or sharing of personal information, please visit our Privacy Policy page or email privacy@optain.co.

Governing Law and Dispute Resolution

These Terms and any dispute arising from or related to them shall be governed by the laws of the State of Florida, without regard to conflict of law principles.

Any dispute or claim shall be resolved by binding arbitration in Duval County, Florida, pursuant to the rules of the American Arbitration Association (AAA).

You waive any right to participate in a class action or jury trial.

Judgment on the arbitration award may be entered in any court of competent jurisdiction.

Termination

C&F Capital Group LLC may, at its sole discretion, suspend or terminate your access to the Website or services at any time, without notice, for violation of these Terms or for conduct deemed harmful to C&F Capital Group LLC or its users.

Entire Agreement

These Terms, together with our Privacy Policy and any other posted policies or disclaimers, constitute the entire agreement between you and C&F Capital Group LLC and supersede any prior written or oral agreements relating to the subject matter herein.

Changes to Terms

We may update these Terms from time to time. Continued use of our services after changes constitutes acceptance of the updated Terms.

Contact Information

For questions, concerns, or notices under these Terms, please contact:

• C&F Capital Group LLC
• Attn: Legal Department
• Email: legal@optain.co
• Mailing Address: 7901 4th St N, Ste 300, St. Petersburg, FL 33702