Privacy Policy | EM Lending LLC

EM Lending LLC ("EM Lending," "we," "us," or "our"), located at 12886 Washburn Ct, Parker, CO 80134, is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit our website at theemlending.com or interact with our business funding services.

By using our website or services, you agree to the terms of this Privacy Policy. If you do not agree, please discontinue use of our website and services.

1. Information We Collect

Information You Provide Directly

When you submit an application or contact us, we may collect:

Full name and contact information (email address, business address)
Business name, type, and industry
Financial information (monthly revenue ranges, funding needs)
Time in business and other application details
Communications you send us

Information Collected Automatically

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

IP address and browser type
Pages visited and time spent on each page
Referring website or search query
Device type and operating system

2. How We Use Your Information

We use the information we collect to:

Process and evaluate your business funding application
Communicate with you about your application and our services
Send marketing and promotional communications (where you have consented)
Improve our website and service offerings
Comply with legal obligations and prevent fraud
Send SMS/text messages where you have provided express written consent

3. SMS / Text Message Communications

SMS Program Disclosures

If you have opted in to receive SMS communications from EM Lending LLC, the following terms apply:

Program: EM Lending LLC may send recurring marketing and promotional SMS/MMS messages, including offers, updates, and information about our financial products and services, using an automated telephone dialing system (ATDS).
Message Frequency: Message frequency varies; you may receive up to 4 messages per month.
Message and Data Rates: Message and data rates may apply depending on your wireless carrier plan.
Opt-Out: Reply STOP at any time to opt out of SMS messages. After opting out, you will receive a confirmation message and no further messages will be sent.
Help: Reply HELP for assistance or contact us at eric@theemlending.com.
Consent is NOT a condition of purchase. You are not required to consent to receive SMS messages to apply for or receive any financing product or service from EM Lending LLC.

4. Sharing of Information

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

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

Service Providers: We may share information with trusted service providers who assist us in operating our website and conducting our business (e.g., email service providers, website hosting), under strict confidentiality agreements.
Legal Requirements: We may disclose information if required by law, subpoena, court order, or government regulation.
Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.
With Your Consent: We may share your information for any other purpose with your explicit consent.

We do not share your information with unaffiliated third parties for their independent marketing or promotional purposes.

5. Data Security

We implement reasonable administrative, technical, and physical security measures to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

6. Your Choices and Rights

You have the following rights regarding your personal information:

Access: You may request a copy of the personal information we hold about you.
Correction: You may request correction of inaccurate or incomplete information.
Deletion: You may request deletion of your personal information, subject to certain legal limitations.
Opt-Out of Marketing: You may opt out of marketing emails at any time by clicking "unsubscribe" in any email we send. To opt out of SMS, reply STOP to any text message we send.

To exercise any of these rights, contact us at eric@theemlending.com.

7. Cookies and Tracking Technologies

Our website may use cookies and similar tracking technologies to enhance user experience and analyze website traffic. You may configure your browser to refuse cookies, though this may affect website functionality.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies independently.

9. Children's Privacy

Our website and services are directed to business owners and are not intended for individuals under 18 years of age. We do not knowingly collect personal information from minors. If we become aware that a minor has provided personal information, we will take steps to delete it promptly.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on our website with a revised effective date. Your continued use of our website after any changes constitutes your acceptance of the updated policy.

11. Contact Us

If you have questions or concerns about this Privacy Policy or our privacy practices, please contact us:

EM Lending LLC
12886 Washburn Ct
Parker, CO 80134
Email: eric@theemlending.com