Privacy Policy

Effective Date: January 1, 2026 | Last Updated: June 1, 2026

Capital Openfield ("we," "us," or "our") is committed to protecting the privacy and security of our clients' personal and financial information. This Privacy Policy explains how we collect, use, disclose, and safeguard information in connection with our financial services platform, in compliance with applicable federal and state laws including the Gramm-Leach-Bliley Act (GLBA), the Fair Credit Reporting Act (FCRA), and applicable state consumer privacy laws.

1. Information We Collect

We collect several types of information to provide and improve our services:

• Personal identification information: name, address, date of birth, Social Security Number (SSN), government-issued ID
• Financial information: income, credit history, existing loans, assets, liabilities
• Contact information: email address, phone number, mailing address
• Device and usage data: IP address, browser type, pages visited, time on site
• Communication records: messages, inquiries, and correspondence with our team

2. How We Use Your Information

Your information is used for the following purposes:

• Matching you with appropriate financial products and providers
• Processing applications for loans, insurance, and investment accounts
• Verifying your identity and preventing fraud
• Communicating service updates, rate changes, and relevant offers
• Complying with legal, regulatory, and reporting obligations
• Improving our platform through analytics and user research

3. Sharing of Information

We do not sell your personal information. We may share your data with:

• Verified financial product providers to facilitate applications
• Credit bureaus (Equifax, Experian, TransUnion) as required for credit inquiries
• Third-party service providers under strict data processing agreements
• Regulatory or law enforcement agencies as required by law

4. Your Rights Under Federal and State Law

Depending on your state of residence, you may have rights including: the right to access your data, the right to correct inaccuracies, the right to opt out of certain data sharing, and the right to request deletion of personal data. California residents have additional rights under the California Consumer Privacy Act (CCPA/CPRA).

5. Data Security

We implement industry-standard security measures including 256-bit SSL encryption, multi-factor authentication, and regular security audits to protect your information. However, no electronic transmission is 100% secure, and we encourage you to take steps to protect your own credentials.

6. Data Retention

We retain personal data only as long as necessary for the purposes outlined in this policy or as required by applicable law, typically no longer than 7 years following the termination of a financial relationship.

7. Cookies and Tracking

Our website uses cookies and similar tracking technologies to improve user experience and analyze traffic. You may manage cookie preferences through your browser settings.

8. Contact Us

For privacy-related inquiries, data access requests, or to opt out of communications, contact us at: info@CapitalOpenfield.info or write to us at NY, New York City
136 Madison Avenue
New York
10016.

Terms & Conditions

Effective Date: January 1, 2026 | Last Updated: June 1, 2026

These Terms and Conditions ("Terms") govern your access to and use of the Capital Openfield platform, website, and financial services. By accessing or using our services, you agree to be bound by these Terms. If you do not agree, do not use our platform.

1. Eligibility

You must be at least 18 years of age and a legal resident to use our services. By registering, you represent that you meet these requirements and that all information provided is accurate and complete.

2. Nature of Services

Capital Openfield is a financial marketplace and advisory platform. We connect consumers and businesses with third-party financial product providers. We are not a bank, lender, insurer, or investment advisor. Any financial product offered through our platform is provided by independent, licensed third-party partners.

3. Not Financial Advice

Information provided on Capital Openfield is for general informational and educational purposes only. Nothing on this platform constitutes professional financial, legal, tax, or investment advice. You should consult with a licensed financial professional before making any financial decisions.

4. Credit Inquiries

By submitting an application through our platform, you authorize Capital Openfield and its partners to obtain your credit report and credit score. Some inquiries may constitute "hard pulls" that can temporarily affect your credit score.

5. Third-Party Providers

Capital Openfield does not guarantee the products, rates, terms, or availability offered by third-party providers. All final terms, approvals, and agreements are between you and the respective provider. Capital Openfield is not liable for the acts or omissions of third-party partners.

6. Prohibited Activities

• Providing false or misleading information in any application or inquiry
• Using the platform for fraudulent, illegal, or unauthorized purposes
• Attempting to reverse-engineer or scrape our platform or data
• Interfering with the operation of our systems or networks

7. Limitation of Liability

To the fullest extent permitted by law, Capital Openfield shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of our services, even if we have been advised of the possibility of such damages.

8. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the applicable jurisdiction, without regard to conflict of law principles. Any disputes shall be subject to binding arbitration in accordance with the rules of the American Arbitration Association (AAA).

9. Changes to Terms

We reserve the right to modify these Terms at any time. Continued use of our services following notification of changes constitutes acceptance of the updated Terms.

10. Contact

For questions regarding these Terms, contact us at: info@CapitalOpenfield.info