Terms & Conditions

What you need to know.

This website (the “CDF Website”) is owned and operated by Church Development Fund, Inc.  These Terms and Conditions (the “Agreement”) constitute a legally binding agreement made between you, whether personally or on behalf of an entity and us when you use the CDF Website and online services. Please read this entire Agreement. These terms and conditions are in addition to other agreements, terms and conditions that apply to any CDF investments, loans, or any other CDF services.

BY ACCESSING THE CDF WEBSITE, YOU AGREE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY ALL OF THE TERMS OF THIS AGREEMENT. IF YOU DO NOT AGREE WITH ALL OF THESE TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE CDF WEBSITE AND ONLINE SERVICES, AND YOU MUST DISCONTINUE USE IMMEDIATELY.

GENERAL TERMS

Definitions

As used in this Agreement, the following terms have the following meanings. “Investment” and “investments” mean investments in CDF’s certificates as further described in its Offering Circular in which you are either the investor, owner, joint investor or joint owner. “Loan” and “loans” mean dollars borrowed by a “qualified ministry” as further described in CDF’s Offering Circular of which you are either an officer or agent. “You,” “your,” and “yours” mean the person(s) using the CDF Website. “We,” “our,” us,” “CDF Capital,” and “CDF” refer to Church Development Fund, Inc.

What this Agreement Covers

The CDF Website permits authorized users to access certain services offered by CDF and conduct certain transactions via links accessed through the CDF Website. This Agreement, between you and CDF, governs the use of the CDF Website, services provided by the CDF Website and transactions initiated, processed, viewed, or proposed through the use of the CDF website.

Voluntary Use

Your use of the CDF Website is strictly voluntary. By using the CDF Website, including any service or transaction provided by or through the CDF Website, you agree to the terms and conditions set forth in this Agreement.

Online Acceptance

Your use of the CDF Website constitutes your acceptance of this Agreement as if it were a paper version that you signed. We recommend you print the entire Agreement and all referenced disclosures for your records. If you are unable to print this, please contact us as detailed below and request a paper or electronic version of this Agreement to be sent to you.

Eligibility

The CDF Website is intended for users who are at least 18 years old. If you are under the age of 18, you are not permitted to use or register for the CDF Website. The information provided on the CDF Website is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. 

General Disclaimer

Nothing contained on this CDF Website constitutes an offer, solicitation or recommendation regarding any product or service or an offer to sell or solicitation of an offer to buy any security; nor shall any such services be provided, or securities be offered or sold, in any jurisdiction in which such an offer, solicitation, provision or sale would be unlawful. The offering of our securities is made solely by our Offering Circular and only in the states where authorized. The Certificates are unsecured debt securities subject to the terms, conditions, and risks described in our Offering Circular, including the risk of possible loss of the amount invested. Payment is dependent on CDF Capital’s financial condition at the time payment is due. CDF Capital securities are not FDIC or SIPC insured nor are they bank deposits. 

All CDF Website content is subject to applicable statutes and regulations. This CDF Website is published in the United States for residents of the United States. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this CDF Website. U.S. investors are advised that not all investments or services described on this CDF Website are available for sale in all states. Potential investor should satisfy themselves that use of any CDF service or investment in a CDF product is permissible under the rules and regulations of their domicile. 

The information provided on this CDF Website is for informational purposes only. It does not constitute any form of advice or recommendation to buy, sell or hold any securities or adopt any investment strategy mentioned. It is intended only to provide observations and views of the author(s) at the time of writing, both of which are subject to change at any time without prior notice. The information provided does not have regard to the specific investment objectives, financial situation or particular needs of any specific person who may read it, and investors should determine for themselves whether a particular service or product is suitable for their investment needs or should seek such professional advice for their particular situation. 

Third Party Sites and Contents 

The CDF Website may contain (or you may be sent via the CDF Website) links to other websites as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software, and other content or items belonging to or originating from third parties.  Links to third party websites are provided for your convenience only.  Such links are not under our control, are not by implication or otherwise endorsed by us, and information published on such websites is not our responsibility.  Any reference to a third party or its products or services, linking to any third-party sites, or using third-party content in no way implies an endorsement or affiliation of any kind between CDF and any third party, including legal authorization to use any trademark, trade name, logo, or copyrighted materials belonging to either entity.  If you decide to leave the CDF Website and access the third-party website or to use or install any third-party content, you do so at your own risk, and you should be aware this Agreement no longer governs. You should review the applicable terms and policies, including privacy and data gathering practices, of any website to which you navigate from the CDF Website or relating to any applications you use or install from the CDF Website. 

Required Equipment

In order to use the CDF Website, you need a computer (in this Agreement, your computer and the related equipment and software are referred to together as your “Computer”) with a compliant web browser, access to the Internet, username, and password. 

You are responsible for the installation, maintenance, and operation of your Computer, browser and Internet access. CDF is not responsible for any errors or failures from any malfunction of your Computer, the browser or your Internet provider. CDF is also not responsible for any virus, worms, malware, adware, or related problems that may be associated with the use of an online system.

Appropriate Access and Use

By using the CDF Website, you represent and warrant that: (1) all information you submit will be true, accurate, current, and complete; (2) you will maintain the accuracy of such information and promptly update such registration information as necessary; (3) you have the legal capacity and you agree to comply with this Agreement; (4) you are not a minor in the jurisdiction in which you reside; (5) you will not access the CDF Website through automated or non-human means, whether through a bot, script or otherwise; (6) you will not use the CDF Website for any illegal or unauthorized purpose; and (7) your use of the CDF Website will not violate any applicable law or regulation. If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the CDF Website (or any portion thereof). 

The CDF Website is furnished to you by CDF and is intended for your personal and lawful use in conformity with this Agreement. You shall not access or use the CDF Website or any portion thereof for any purpose other than a lawful and legitimate purpose as intended by CDF. You will take reasonable steps to ensure against the introduction of any virus, worms or other programming routines that may disrupt or interfere with the operation of the CDF Website. You will be responsible for the accuracy and completeness of all materials, data and information you transmit using the CDF Website. If CDF determines, in its sole discretion, that you are using or have used the CDF Website or any portion thereof in a manner inconsistent with this Agreement or in violation of applicable law, CDF shall have the right to take appropriate action without prior notice to you, including, without limitation, (i) limiting, restricting, suspending and/or terminating your access to and use of the CDF Website or any portion thereof and (ii) seeking all remedies against you.

CDF’s Intellectual Property Rights

The Website text, content, design, selection and arrangement of elements, graphics, and other matters related to the Site are protected under applicable copyright, trademark, and other intellectual property laws, and CDF and its licensors own and shall retain all rights, title and interests, including all intellectual property rights, in and to the same. All rights in the intellectual property contained in this Website are reserved and may not be used or reprinted without the express written consent of the CDF. 

Privacy 

Your access and use of the CDF Website is not private or confidential. CDF reserves the right to monitor your access and use of the CDF Website. You agree that CDF may collect and use technical data and related information—including but not limited to technical information about your device, system and application software, and peripherals—that is gathered periodically to facilitate the provision of software updates, support, and other services to you (if any) related to the CDF Website. We own this information and may use it for any reason as long as it is in a form that does not personally identify you. Your access and use of the CDF Website are also subject to the terms of CDF’s Privacy Policy available at CDFcapital.org/privacy-policy, which are incorporated herein by reference. Please read it so that you understand the parameters of privacy when using the CDF Website.

Security 

CDF will take reasonable steps to create and maintain the CDF Website. Difficulties with hardware, software, equipment and services may result in interruption or downtime of the CDF Website or a portion thereof. It is also possible that the CDF Website and its content may be corrupted and unusable due to the presence of “bugs” in software, viruses or other causes beyond our reasonable control.

Certain applications on the CDF Website have certain features designed to provide security in connection with your use of those applications on the CDF Website. While we believe it is unlikely that unauthorized individuals will gain improper access to your investments and investment information through the CDF Website, we cannot make any assurance that such persons will not gain such access or that such persons will not engage in improper conduct with respect to your investments and your investment information if such access is gained.

Maintenance and Interruptions 

We reserve the right, but not the obligation, to: (1) monitor the CDF Website for violations of this Agreement of Use; (2) take appropriate legal action against anyone who, in our sole discretion, violates the law or this Agreement, including without limitation, reporting such user to law enforcement authorities; (3) in our sole discretion and without limitation, notice, or liability, to remove from the CDF Website or otherwise disable all files and content that are in any way burdensome to our systems; and (4) otherwise manage the CDF Website in a manner designed to protect our rights and property and to facilitate its proper functioning.

We reserve the right to modify or discontinue all or part of the CDF Website without notice at any time. We will not be liable to you or any third party for any suspension or discontinuance of the CDF Website.  We cannot guarantee the CDF Website will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the CDF Website, resulting in interruptions, delays, or errors. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the CDF Website during any downtime or discontinuance of the CDF Website. Nothing in this Agreement will be construed to obligate us to maintain and support the CDF Website or to supply any corrections, updates, or releases in connection therewith.

Changes 

We reserve the right to change, modify, or remove the CDF Website and its contents at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our CDF Website. 

CDF may change this Agreement at any time. CDF will inform you of any changes as and to the extent that applicable law requires. CDF will post the amended Agreement at the CDF Website. Notification of amendments and/or changes also may be delivered by electronic mail via the CDF Online Investment Center secure mail e-mail system. Your continued use of the CDF Website will constitute acceptance of any amendments and changes to this Agreement. Further, CDF may, from time to time, revise or update the program, services, and/or related material(s) rendering such prior versions obsolete. Consequently, CDF reserves the right to terminate this Agreement as to all such prior versions of the CDF programs, services, and/or related material(s) and limit access to CDF’s more recent versions and updates. Notices of such amendments or changes to one joint account owner or customer will be effective for all joint owners.

Entire Agreement and Conflicting Terms

You agree that this Agreement is the complete and exclusive statement of the agreement between you and CDF with respect to the CDF Website and your use thereof. This Agreement supersedes any proposal or prior agreement, oral or written, and any other communications between you and CDF relating to the subject matter of this Agreement. The terms and conditions in this Agreement shall have priority and take precedence over any existing terms and conditions in existing agreements you have with us with respect to the CDF Website and your use of the CDF Website in the event of a conflict. If there is a conflict between what one of CDF’s employees or other representatives says and the terms of this Agreement, the terms of this Agreement have final control. For purposes of clarification and notwithstanding the foregoing, the terms and conditions applicable to your investment or loan shall be governed by the terms and conditions of your other agreements with CDF with respect thereto, and nothing herein is intended to modify such terms and conditions.

No Waiver

CDF shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by CDF. No delay or omission on the part of CDF in exercising any right or remedy shall operate as a waiver of such right or remedy or any other rights or remedies. A waiver on any particular occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

Disclaimers and Limitations

THE CDF WEBSITE, AND ALL INFORMATION PROVIDED HEREIN, IS PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE CDF WEBSITE AND OUR SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE CDF WEBSITE AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE CDF WEBSITE’S CONTENT OR THE CONTENT OF ANY WEBSITES LINKED TO THE CDF WEBSITE, AND WE ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE OF ANY NATURE WHATSOEVER RESULTING FROM YOUR ACCESS TO AND USE OF THE CDF WEBSITE OR OUR SERVICES, (3) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SERVERS OR ANY PERSONAL OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE CDF WEBSITE, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE CDF WEBSITE OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE CDF WEBSITE. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY THIRD-PARTY PRODUCT OR SERVICE, AND WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.  

IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DECISION MADE OR ACTION TAKEN IN RELIANCE ON THE INFORMATION IN THIS SITE, OR FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER SIMILAR DAMAGES ARISING FROM YOUR USE OF THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO US FOR OUR SERVICES DURING THE SIX (6) MONTH PERIOD PRIOR TO ANY CAUSE OF ACTION ARISING. CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.

Assignment

You may not assign (voluntarily, involuntarily or by operation of law) this Agreement or any portion thereof to any other party. CDF may assign this Agreement to any present or future, directly or indirectly, affiliated company or successor. CDF may also assign or delegate certain of its rights and responsibilities under this Agreement to affiliated companies, successors, independent contractors and/or other third parties.

Severability

If one or more provisions of this Agreement are held to be unenforceable under applicable law, such provision shall be excluded from this Agreement and the balance of the Agreement shall be interpreted as if such provision were so excluded and shall be enforceable in accordance with its terms.

Governing Law and Dispute Resolution

In the event of a dispute regarding the CDF Website, you and CDF agree to resolve the dispute by looking to this Agreement.  This Agreement and your use of the CDF Website are governed by and construed in accordance with the laws of the State of California applicable to agreements made and to be entirely performed within the State of California, without regard to its conflict of law principles.  If you decide to take legal action related to this Agreement or the CDF Website, you agree to file such action only in State or Federal courts located nearest to Irvine, California, and you consent and submit to the personal jurisdiction of those courts for the purposes of litigating any such action and further agree that they are a convenient forum for you.

Cancellation and Termination

Services at the CDF Website you elect to use, which require a username and password, remain in effect until terminated by you or CDF. You may cancel your access at any time by notifying CDF in writing via the secure mail e-mail system or by calling (888) 540-7112. However, your service will remain in effect until CDF has an opportunity to act on your notice. This cancellation applies to your access and use of the CDF Website only and does not terminate your investment or loan accounts with CDF. Without limiting any other provisions of this Agreement, CDF reserves the right, in our sole discretion and without notice or liability, to deny access to and use of the CDF Website (including blocking certain IP addresses), to any person for any reason. We may terminate your use or participation in the CDF Website or delete your account without warning in our sole discretion. 

TRANSACTION-SPECIFIC TERMS

In addition to the General Terms of this Agreement, the following additional terms apply to CDF investors, borrowers, and account holders:

Username and Password

You are required to set up a username and password to create an account with CDF. You agree that CDF may send notices and other communication, including your username and password confirmations, via e-mail. You agree to keep your username and password secure and strictly confidential and immediately notify CDF if you believe your password has been compromised and selecting a new password.

UNDER NO CIRCUMSTANCES WILL A CDF EMPLOYEE REQUEST YOUR PASSWORD VIA THE INTERNET OR OTHER CONTACT. PLEASE DO NOT DISCLOSE SUCH INFORMATION TO ANYONE CLAIMING TO REPRESENT CDF AND IMMEDIATELY NOTIFY CDF AT (888) 540-7112 IF IT IS REQUESTED BY SOMEONE CLAIMING TO REPRESENT CDF.

By using the CDF Website, you acknowledge and agree that this Agreement sets forth security procedures for transactions which are commercially reasonable. CDF will have no liability to you for any unauthorized transaction(s) made using your username and password. CDF may suspend or cancel your username and password even without receiving notice from you if CDF suspects that your username and password has been or are being used in an unauthorized or fraudulent manner.

For security purposes, if your access is not used for a period of 120 days, CDF may, at its discretion deactivate your username and password. To re-establish service, you will need to contact CDF at (888) 540-7112. You may be requested to provide a written request and verify your identity before a new username and password are issued to you.

Electronic Notices and Communications

Visiting the CDF Website, sending us emails, or completing online forms constitute electronic communications.  You consent to receive electronic communications and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, such as via email, on the CDF Website, or through the CDF Online Investment Center, satisfy any legal requirement that such communication be in writing. YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SITE. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.

Do not rely on e-mail if you need to communicate with CDF immediately. Please contact a CDF Customer Service Representative at (888) 540-7112, Monday through Friday, 8:30 a.m. to 4:30 p.m., PT (excluding Federal Reserve and CDF holidays).

For secure transmissions, your electronic communication with CDF should be sent using the CDF Online Investment Center secure mail e-mail system. This service encrypts, or “scrambles,” your personal information, making it difficult for anyone other than CDF to read such information.

You also may e-mail CDF using a personal e-mail account provided by an outside Internet provider, but remember e-mail transmissions through general or public e-mail are not secure. Do not send or request sensitive CDF investment information such as account numbers or financial information via any general or public e-mail system.

Performing Transactions

Authorized CDF investment owners and borrowers can use the CDF Website services to:

  • View Account Information
  • Request transfer of funds between eligible accounts at CDF.
  • Request automated clearinghouse (ACH) transfers to accounts at other financial institutions.
  • Request ACH transfers to authorized CDF accounts from other financial institutions.
  • Request other investment services via secure mail e-mail system.

If an account is jointly held, each holder is jointly and severally obligated under this Agreement. Where applicable, each account signatory accept this Agreement on behalf of all jointly-held account holders and may act alone to perform transactions or obtain information under this Agreement. CDF is not required to obtain the further consent of any other jointly-held account holder.

How Investment Transactions are Reported

Investors of CDF certificates receive a quarterly account statement in addition to transaction receipts generated on the date of activity. In addition, you may access your investment transactions through the CDF website.

Please contact CDF immediately in writing or via secure mail e-mail if you change your residence or e-mail address.

Questions or Error Correction on Transactions

Please contact CDF immediately if you believe:

  • Your statement or transaction record is incorrect.
  • You need more information about a transaction listed on the statement.
  • An unauthorized person has discovered your username and password.
  • Someone has transferred or may transfer money from your account without your permission.
  • CDF must hear from you no later than 60 days after it sent the FIRST statement on which the problem or error appeared. 

When you contact CDF, please provide the following information:

  • Your name, investment name, and number.
  • The date and dollar amount of the transaction in question.
  • The name of recipient if the transaction in question is a transfer.
  • The transaction confirmation number, if available.
  • A description of the transaction in question.

Please explain as clearly as you can why you believe there is an error or why you need more information. If you tell CDF orally, CDF may require you to send your complaint or question in writing or via secure mail e-mail system.

CDF will determine whether an error occurred within 10 business days after your initial contact and will correct any error promptly. If CDF requires additional time, however, CDF may take up to 45 days to investigate your complaint or question. If CDF decides to take 45 days to investigate your complaint or question, CDF will credit your account within 10 business days for the amount you think is in error, subject to CDF’s right to recoup such credited amount or portion thereof upon CDF’s completion of its investigation. If CDF asks you to put your complaint or question in writing and CDF does not receive it in 10 business days, CDF may not credit your account.

For errors involving new accounts, or foreign-initiated transactions, CDF may take up to 90 days to investigate your complaint or question. For new accounts, CDF may take up to 20 days to credit your account for the amount you think is in error. CDF will notify you of the results within 3 business days after completing its investigation.

If CDF decides there was no error, CDF will send you a written explanation and you may request copies of certain documents that CDF used in its investigation.

Transaction Fees

All fees will be debited from the account for which the service was performed, unless otherwise notified. In addition to early withdrawal or service fees charged by CDF, ACH and wire transfers may be subject to transfer fees from the receiving financial institution.

Transaction Liability

You are liable for all transactions initiated on, by or through the CDF Website with your username and password. If you have given someone else your username and password or other means of access, you also are liable for transactions authorized by that person with your username and password, and even if the person performs transactions you did not intend or want performed. If your statement shows payments or transfers that you did not authorize, notify CDF by phone immediately.

If CDF completes a payment or transfer and subsequently learns that your account has insufficient funds for the transaction, you agree that CDF may reverse the transaction and/or offset the shortage with funds from any investment or account you have with CDF and you agree to pay CDF for any fees CDF incurs charged by a third-party.

You hereby release CDF from all claims and agree to not make any claim against CDF for honoring or allowing any action or transaction on the CDF Website in which the person performing the action or transaction has provided your username and password. You hereby agree to indemnify the CDF Parties and hold the CDF Parties harmless from and against any and all liability arising from any such claims, actions and/or transactions.

NOTWITHSTANDING ANYTHING TO THE CONTRARY HEREIN, IF CDF DOES NOT PROPERLY COMPLETE A TRANSFER, UNLESS OTHERWISE REQUIRED BY LAW, CDF’S LIABILITY SHALL BE LIMITED TO INTEREST ON THE AMOUNT WHICH CDF FAILED TO TIMELY TRANSFER, CALCULATED FROM THE DATE ON WHICH THE TRANSFER WAS TO BE PERFORMED UNTIL THE DATE IT WAS ACTUALLY COMPLETED OR YOU CANCELLED THE INSTRUCTIONS. IF CDF BECOMES LIABLE TO YOU FOR INTEREST COMPENSATION UNDER THIS AGREEMENT, SUCH INTEREST SHALL BE CALCULATED BASED ON THE INTEREST RATE IN EFFECT ON THE DATE THAT THE TRANSFER WOULD HAVE BEEN MADE. IN ANY EVENT, CDF WILL NOT BE LIABLE FOR LOSSES OR DAMAGES IN EXCESS OF THE AMOUNT OF THE TRANSACTION. IN NO EVENT WILL CDF BE LIABLE IF CIRCUMSTANCES BEYOND CDF’S CONTROL PREVENTED THE TRANSFER, OR IF THE FUNDS WERE SUBJECT TO LEGAL PROCESS OR OTHER CLAIMS. FURTHER, IN NO EVENT WILL CDF BE LIABLE FOR SPECIAL, INDIRECT, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES.

CONTACT US

CDF Representatives are available via phone, Internet e-mail, and secure mail e-mail Monday through Friday, 8:30 a.m. to 4:30 p.m., Pacific Time (PT), excluding holidays.

Phone: (888) 540-7112

Fax: 866.303.9360

Secure Mail: Log into your online account by following the link at CDFcapital.org using your personal username and password. Secure Mail functions are found under the “Other Features” Secure Messaging section.

Unsecured E-mail: info@cdfcapital.org

Mailing Address: PO Box 19700, Irvine, CA 92623-9700

This Agreement was last updated March 31, 2026.