LEGAL

Terms & Conditions

Effective date: October 4, 2026

1. Acceptance of Terms

Welcome to the Fullerfield Capital LLC ("Fullerfield Capital," "we," "us," or "our") website. By accessing or using our website at www.fullerfield.com (the "Website"), you agree to be bound by these Terms & Conditions (the "Terms"). If you do not agree to these Terms, please do not use our Website.

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Website. Your continued use of the Website after changes are posted constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

2. About Fullerfield Capital

Fullerfield Capital LLC plans to provide flexible debt financing to regenerative farms, agricultural processors, and consumer packaged goods (CPG) brands across the Northeast United States. Examples of the lending products we plan to offer include bridge loans, inventory financing, equipment financing, revenue-based loans, convertible notes, working capital lines, and term loans.

Fullerfield Capital is a for-profit limited liability company and is not a 501(c)(3) nonprofit organization. Fullerfield Foundation Inc. is a separate 501(c)(3) nonprofit organization. See Section 11 below.

3. Use of Website

Permitted use

You may use our Website for lawful purposes, including learning about our lending products and services; submitting loan inquiries or applications; accessing resources and information about agricultural finance; contacting us with questions; and subscribing to our newsletter and updates.

Prohibited use

You agree not to:

Use the Website in any way that violates applicable federal, state, or local laws or regulations
Submit false, misleading, or fraudulent information in any loan application or communication
Impersonate any person or entity or misrepresent your affiliation with any person or entity
Interfere with or disrupt the Website or servers or networks connected to the Website
Attempt to gain unauthorized access to any portion of the Website or any systems or networks
Use any automated system (including robots, spiders, or scrapers) to access the Website without our prior written permission
Transmit any viruses, malware, or other malicious code
Collect or harvest personal information about other users
Copy, reproduce, distribute, or create derivative works from Website content without permission
Use the Website for any unlawful or unauthorized commercial purpose

4. Intellectual Property Rights

Our content. All content on this Website, including text, graphics, logos, images, videos, data compilations, and software, is the property of Fullerfield Capital LLC or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws. The Fullerfield Capital name, logo, and all related marks are trademarks of Fullerfield Capital LLC. You may not use our trademarks without our prior written permission.

Limited license. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Website for personal or business purposes in accordance with these Terms. This license does not include any right to resell or make commercial use of the Website or its content; make derivative uses of the Website or its content; download or copy content for the benefit of another individual or entity (except in connection with your loan application); or use data mining, robots, or similar data gathering methods.

User submissions. If you submit content to our Website (including through loan applications, contact forms, or inquiries), you grant Fullerfield Capital a perpetual, worldwide, royalty-free, non-exclusive license to use, reproduce, modify, adapt, and display such content in connection with our business operations. You represent and warrant that you own or have the necessary rights to any content you submit and that such content does not violate any third-party rights.

5. Loan Applications and Inquiries

Application process. Loan applications and inquiries submitted through our Website are subject to underwriting and due diligence. Submission of an application does not constitute a commitment to lend or a guarantee of approval or funding.

No guarantee of approval. Fullerfield Capital makes no guarantees regarding the approval, timing, terms, or amount of any loan. Loan decisions are made at our sole discretion based on creditworthiness, business viability, collateral value, alignment with our mission, and other factors we deem relevant.

Accuracy of information. You represent and warrant that all information provided in a loan application or inquiry is true, accurate, current, and complete. Providing false or misleading information may result in immediate disqualification from consideration; termination of any existing loan relationship; legal action, including reporting to appropriate authorities; and liability for any damages or losses we incur as a result.

Confidentiality. We treat loan applications and business information as confidential, subject to the limitations described in our Privacy Policy and any financial privacy notice we provide. However, we cannot guarantee absolute confidentiality. Information may be shared with our employees, advisors, and service providers; credit bureaus and background check providers; appraisers, title companies, and other due diligence specialists; co-lenders and loan participants; and government agencies and regulators as required by law.

Application fees. We do not charge fees to submit or review loan applications. However, if a loan is approved and you proceed to closing, you may be responsible for certain third-party costs such as appraisals, title searches, legal fees, and recording fees as specified in your loan agreement.

6. No Financial, Legal, or Investment Advice

Informational purposes only. Content on this Website is for informational purposes only and does not constitute professional financial, legal, accounting, tax, or business advice. The information provided about our lending products, terms, and agricultural finance topics is general in nature and may not be suitable for your specific situation.

No advisor relationship. Nothing on this Website creates an advisor-client, fiduciary, or confidential relationship between you and Fullerfield Capital. We are a lender, not a financial advisor or consultant. You should consult with appropriate professionals (attorneys, accountants, financial advisors) before making borrowing decisions or entering into any loan agreement.

Not an offer of securities. Nothing on this Website is an offer to sell, or a solicitation of an offer to buy, any security or any interest in any fund.

7. Disclaimers

General disclaimer. THE WEBSITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT.

No guarantee of results. We make no guarantees regarding approval of any loan application; the success of businesses that receive our financing; the terms or conditions that may be offered; the availability of any particular loan product; or Website availability, functionality, or error-free operation.

Accuracy of information. While we work to provide accurate and up-to-date information, we make no representations or warranties regarding the accuracy, completeness, or timeliness of any content on the Website. Information about our lending products, eligibility criteria, and application processes is subject to change without notice.

Third-party information. We may provide information about market conditions, agricultural trends, or industry data from third-party sources. We do not verify the accuracy of such third-party information and make no representations regarding its reliability.

8. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, FULLERFIELD CAPITAL LLC, ITS MEMBERS, MANAGERS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM: your access to or use of or inability to access or use the Website; any conduct or content of any third party on the Website; any content obtained from the Website; unauthorized access, use, or alteration of your transmissions or content; your reliance on information provided on the Website; any loan application decision, whether approved or denied; or any terms, conditions, or performance of any loan agreement.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION EXCEED ONE HUNDRED DOLLARS ($100). Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for incidental or consequential damages. In such jurisdictions, our liability will be limited to the greatest extent permitted by law.

9. Indemnification

You agree to indemnify, defend, and hold harmless Fullerfield Capital LLC, its members, managers, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to your use of or inability to use the Website; your violation of these Terms; your violation of any rights of another party; any information or content you submit through the Website; any false or misleading statements in your loan application; or your breach of any representations or warranties made to us.

10. Third-Party Links and Content

Our Website may contain links to third-party websites, services, or resources, including industry publications, partner organizations, and service providers. These links are provided for your convenience only. We do not endorse and are not responsible for the content, accuracy, or opinions expressed on third-party websites; the privacy practices or policies of third-party websites; any products or services available through third-party websites; or the business practices of entities we may reference. Your interactions with third-party websites are governed by their own terms and policies.

11. Relationship with Fullerfield Foundation Inc.

Fullerfield Capital LLC is a for-profit company. Fullerfield Foundation Inc. is a separate 501(c)(3) charitable organization that provides grants and technical assistance. The two are separate legal entities with separate operations, governance, and finances. Any reference on this Website to grants, technical assistance, or charitable activities refers to Fullerfield Foundation Inc., not Fullerfield Capital LLC. Fullerfield Capital makes its credit decisions independently, and support from Fullerfield Foundation is neither required for, nor a path to, financing from Fullerfield Capital.

12. Geographic Scope and Eligibility

Fullerfield Capital operates only in the United States and plans to provide financing only to businesses located in, or primarily operating in, the Northeast region, including Maine, New Hampshire, Vermont, Massachusetts, Rhode Island, Connecticut, New York, New Jersey, and Pennsylvania.

Loan applicants must be U.S.-based legal entities with operations in the Northeast; have valid U.S. business registration and tax identification; meet our credit, collateral, and business criteria; and operate in the regenerative food and agriculture sector. We do not provide financing to international businesses or businesses outside our geographic focus area.

13. Privacy and Data Protection

Your use of the Website is also governed by our Privacy Policy and any financial privacy notice we provide, which are incorporated into these Terms by reference. By using this Website or submitting a loan application, you consent to the collection of personal and business information as described in our Privacy Policy; credit checks and background verification; sharing of information as described in our Privacy Policy and any financial privacy notice; and the use of cookies and tracking technologies.

14. Equal Credit Opportunity

Fullerfield Capital complies with the Equal Credit Opportunity Act (ECOA) and does not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or because all or part of an applicant's income derives from any public assistance program. If you believe you have been discriminated against, you may file a complaint with the Consumer Financial Protection Bureau, P.O. Box 4503, Iowa City, IA 52244; phone 855-411-2372; website www.consumerfinance.gov/complaint.

15. Compliance and Regulatory Matters

Anti-money laundering (AML). Fullerfield Capital complies with federal anti-money laundering laws and regulations. We are required to obtain, verify, and record information that identifies each borrower. This includes collecting names, addresses, dates of birth, and other identifying information. We may also verify information through government databases and third-party sources.

Customer identification program (CIP). Federal law requires us to verify your identity when you apply for a loan. We will ask for documents such as a driver's license or government-issued photo ID; business formation documents; tax identification numbers; and beneficial ownership information.

Office of Foreign Assets Control (OFAC). We screen all loan applicants against OFAC sanctions lists and do not provide financing to entities or individuals on sanctioned lists or located in embargoed countries.

Fair lending. We are committed to fair and responsible lending practices and comply with all applicable federal and state lending laws and regulations.

16. Arbitration and Dispute Resolution

Informal resolution. Before filing any legal action, you agree to first contact us to attempt to resolve any dispute informally.

Governing law. These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions.

Arbitration agreement. PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS. Any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Website (excluding disputes related to loan agreements, which are governed by the terms of those agreements) shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. Arbitration will be conducted in New York, New York. The arbitrator's decision will be final and binding. You waive your right to a jury trial and your right to participate in a class action.

Exceptions. You may bring claims in small claims court if they qualify, and either party may seek injunctive relief in court for intellectual property violations or unauthorized use of the Website.

Opt-out right. You may opt out of this arbitration agreement by sending written notice to us within 30 days of first using the Website. The notice must include your name, address, and a clear statement that you wish to opt out of the arbitration agreement. Send it to Fullerfield Capital LLC, 295 Madison Avenue, Fl 12, #1032, New York, NY 10017.

17. Severability

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be replaced with a valid provision that most closely reflects the intent of the original provision.

18. Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by an authorized representative of Fullerfield Capital LLC.

19. Entire Agreement

These Terms, together with our Privacy Policy, any financial privacy notice we provide, and any other policies or guidelines posted on the Website, constitute the entire agreement between you and Fullerfield Capital LLC regarding your use of the Website and supersede all prior agreements and understandings. These Terms do not govern loan agreements, which are subject to separate written agreements between Fullerfield Capital and borrowers.

20. Force Majeure

We shall not be liable for any failure or delay in performance of our obligations under these Terms due to causes beyond our reasonable control, including acts of God, war, terrorism, labor disputes, governmental actions, internet failures, or utility failures.

21. Contact Information

If you have questions about these Terms & Conditions, please contact us:

Fullerfield Capital LLC
295 Madison Avenue, Fl 12, #1032
New York, NY 10017
Email: admin@fullerfield.com

By using this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.