Privacy Policy

Effective Date: October 3, 2025

Introduction

Fullerfield Capital LLC ("Fullerfield Capital," "we," "us," or "our") is a specialty lender providing flexible debt financing to regenerative farms, food processors, and consumer packaged goods (CPG) brands across the Northeast United States. We are committed to protecting the privacy and security of your personal and financial information.

This Privacy Policy describes how we collect, use, store, and protect information gathered through our website at [insert website URL] and in connection with our lending operations (collectively, the "Services"). By using our Services or providing us with your information, you consent to the practices described in this Privacy Policy.

Information We Collect

Information You Provide to Us

We collect information that you voluntarily provide when you:

Submit a loan application or inquiry
Request information about our lending products
Communicate with us through forms, email, or phone
Sign up for our newsletter or updates
Attend events or meetings
Execute loan agreements and related documentation

This information may include:

Personal Information:

Name and contact information (email address, mailing address, phone number)
Social Security Number or Tax Identification Number
Date of birth and government-issued identification
Personal financial information (assets, liabilities, credit history)

Business Information:

Business name, structure, and ownership details
Financial statements and tax returns (typically 3-5 years)
Business plans, cash flow projections, and operational data
Bank statements and accounting records
Details about farming practices, certifications, and operations
Information about property, equipment, and inventory
Customer and supplier relationships
Management team background and experience

Collateral Information:

Property descriptions, appraisals, and title information
Equipment valuations and specifications
Inventory details and quality assessments
Liens and encumbrances

Information Collected Automatically

When you visit our website, we automatically collect certain technical information, including:

Internet Protocol (IP) address
Browser type and version
Device information and operating system
Pages viewed and time spent on pages
Referring website addresses
Date and time stamps of visits
General geographic location (city/state level)

We collect this information using cookies, web beacons, and similar tracking technologies to improve user experience and analyze website usage.

Information from Third Parties

In connection with loan underwriting and ongoing monitoring, we may obtain information from third parties, including:

Credit reports from credit bureaus
Property appraisals and title searches
Agricultural certifications (organic, regenerative agriculture)
Public records (tax liens, judgments, bankruptcies)
Business references and trade credit information
Financial data from accounting systems and banks
Market data and industry benchmarks

How We Use Your Information

We use the information we collect for the following purposes:

Lending Operations

Loan evaluation: Assessing creditworthiness, business viability, and loan eligibility
Underwriting: Conducting due diligence and risk analysis
Loan servicing: Processing loan applications, disbursing funds, and managing ongoing relationships
Portfolio monitoring: Tracking borrower performance and loan covenants
Collections: Managing delinquent accounts and enforcing security interests
Impact measurement: Evaluating regenerative agriculture practices and environmental outcomes

Business Operations

Communications: Responding to inquiries, providing updates, and sharing information about our lending products
Marketing: Sending newsletters, event invitations, and content about sustainable agriculture financing
Website improvement: Analyzing usage patterns to enhance user experience
Compliance: Meeting legal and regulatory obligations, including anti-money laundering (AML) and Know Your Customer (KYC) requirements
Internal operations: Managing our business, conducting research, and improving our services

How We Share Your Information

We do not sell or rent your personal or business information. We may share your information only in the following circumstances:

Service Providers

We engage trusted third-party service providers to assist with our operations, including:

Legal and accounting firms for professional services
Credit bureaus for credit reporting and monitoring
Appraisers and title companies for collateral evaluation
Banking and payment processors for fund transfers
Technology providers for website hosting, data storage, and software services
Due diligence specialists for verification and background checks

These service providers are contractually obligated to protect your information and use it only for the purposes we specify.

Lenders and Investors

We may share information about borrowers and loan performance with:

Fund investors who have provided capital to Fullerfield Capital
Co-lenders participating in loan syndications
USDA or other guarantors when loan guarantees are involved
Impact measurement organizations (using aggregated or de-identified data)

Such disclosures are limited to information necessary for investment decisions, regulatory compliance, and impact reporting.

Legal and Regulatory Requirements

We may disclose your information when required by law, including:

In response to subpoenas, court orders, or legal processes
To comply with federal and state lending regulations
To enforce our loan agreements and protect our legal rights
To investigate or prevent fraud, illegal activity, or security threats
To protect the safety of individuals or the public

Business Transfers

In the event of a merger, acquisition, reorganization, or sale of assets, your information may be transferred to the acquiring entity. We will notify you of any such transfer and any choices you may have regarding your information.

Affiliated Entities

Fullerfield Capital LLC maintains a relationship with Fullerfield Foundation Inc., a 501(c)(3) nonprofit organization that provides grants and technical assistance to regenerative food businesses. We may share information with Fullerfield Foundation for:

Coordinated support: Identifying businesses that may benefit from both financing and technical assistance
Impact tracking: Measuring outcomes across our ecosystem
Referrals: Directing businesses to appropriate resources

Information sharing with Fullerfield Foundation is limited to what is necessary for these purposes and is subject to confidentiality obligations.

Aggregated or De-identified Data

We may share aggregated, anonymized, or de-identified data that cannot be used to identify you individually for research, industry analysis, impact reporting, or other purposes.

Data Security

Given the sensitive nature of financial information, we implement robust security measures to protect your data, including:

Encryption: Secure Socket Layer (SSL) and Transport Layer Security (TLS) encryption for data transmission
Access controls: Restricted access to personal and financial information on a need-to-know basis
Secure storage: Data stored on secure servers with firewalls and intrusion detection systems
Physical security: Controlled access to offices and secure document storage
Employee training: Regular training on data protection, confidentiality, and security best practices
Vendor management: Due diligence on third-party service providers' security practices
Regular assessments: Periodic security audits and vulnerability testing

However, no method of transmission over the internet or electronic storage is completely secure. While we strive to protect your information using commercially reasonable measures, we cannot guarantee absolute security.

Data Retention

We retain your information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Factors we consider in determining retention periods include:

Active loan relationships: Throughout the term of any loan and for a reasonable period thereafter
Legal requirements: Compliance with lending regulations, tax laws, and document retention requirements (typically 7 years after loan payoff)
Statute of limitations: Periods during which legal claims may be brought
Business purposes: Historical records, impact measurement, and portfolio analysis

When information is no longer needed, we securely dispose of it through shredding, electronic deletion, or other appropriate methods.

Your Rights and Choices

Access and Correction

You may request access to or correction of your personal information by contacting us at [contact email]. We will respond to your request within a reasonable timeframe.

Opt-Out of Communications

You may opt out of receiving marketing communications from us by:

Clicking the "unsubscribe" link in any marketing email
Contacting us directly at [contact email]

Please note that even if you opt out of marketing communications, we will still send you transactional or administrative messages related to your loan application or existing loan relationship.

Cookie Management

You can manage cookie preferences through your browser settings. Please note that disabling certain cookies may limit your ability to use some website features.

Credit Reporting

If we report your loan information to credit bureaus, you have rights under the Fair Credit Reporting Act (FCRA), including the right to dispute inaccurate information. Contact the credit bureaus directly to exercise these rights.

California Privacy Rights

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), subject to exemptions for business-to-business and financial services data. Contact us at [contact email] for more information.

Financial Privacy Notice

As a financial institution, we are subject to federal and state privacy laws governing financial information. This Privacy Policy supplements our Financial Privacy Notice, which describes how we collect and share financial information and your rights to limit certain types of sharing. You will receive our Financial Privacy Notice when you establish a lending relationship with us.

Children's Privacy

Our Services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from minors. If we become aware that we have inadvertently collected information from a minor, we will promptly delete it.

Third-Party Websites

Our website may contain links to third-party websites, including industry resources, partner organizations, and service providers. This Privacy Policy does not apply to those external sites. We are not responsible for the privacy practices or content of third-party websites. We encourage you to review the privacy policies of any third-party sites you visit.

International Users

Fullerfield Capital operates exclusively in the United States and provides loans only to U.S.-based businesses in the Northeast region. Our Services are not directed to individuals or entities outside the United States. If you are accessing our website from outside the U.S., please be aware that your information will be transferred to, stored, and processed in the United States, where data protection laws may differ from those in your country.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will:

Update the "Effective Date" at the top of this policy
Post the revised policy on our website
Notify you by email or prominent notice on our website (for significant changes affecting your rights)

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Fullerfield Capital LLC
295 Madison Avenue

Fl 12, #1032
Email: admin@fullerfield.com

For loan-related inquiries, please contact: admin@fullerfield.com

For general information about our lending products and services, please visit our website or contact us using the information above.

Note: This Privacy Policy applies to Fullerfield Capital LLC's lending operations. For information about our affiliated nonprofit organization, Fullerfield Foundation Inc., please visit www.fullerfield.org.

Last Updated: November 14, 2025