Introduction
EMC Financial Management Resources LLC ("EMC," "we," "us," or "our") is committed to protecting the privacy of our clients, prospective clients, and website visitors. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website at emcfinancialmanagementresources.com or interact with our business lending services.
By using our website or submitting an inquiry, you consent to the practices described in this Privacy Policy. Please read it carefully.
Information We Collect
Information You Provide Directly
We collect information you voluntarily provide to us, including:
- Name, email address, and business contact details
- Business name, industry, and revenue information
- Financing needs and intended use of funds
- Communication preferences, including SMS consent
- Any other information you choose to include in your inquiry
Information Collected Automatically
When you visit our website, we may automatically collect certain technical information, including:
- IP address and general geographic location
- Browser type, device type, and operating system
- Pages visited, time spent on pages, and referring URLs
- Cookie and similar tracking technology data
How We Use Your Information
We use the information we collect for the following purposes:
- To evaluate and process your financing inquiry or application
- To communicate with you about your inquiry and our services
- To send marketing and promotional communications (where you have consented)
- To improve our website and services
- To comply with legal and regulatory obligations
- To detect and prevent fraud or other illegal activity
SMS / Text Message Communications
📱 SMS Program Disclosure
If you have opted in to receive SMS communications from EMC Financial Management Resources LLC, the following terms apply:
Program Description: We may send recurring marketing and promotional SMS/MMS messages including offers, updates, and information about our financial products and services. Messages may be sent 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 mobile carrier plan.
Opt-Out: You may opt out of SMS communications at any time by replying STOP to any message. After opting out, you will receive one final confirmation message.
Help: Reply HELP to any message for assistance, or contact us at elliot@emcfinancialmanagementresources.com.
Consent: Consent to receive SMS communications is NOT a condition of purchase or obtaining financing. You can apply and receive services without opting in to SMS messaging.
Sharing of Your Information
We take your privacy seriously. We do not sell, rent, or trade your personal information to third parties for their marketing purposes.
No mobile information will be shared with third parties for marketing or 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 may share your information with trusted service providers who assist in operating our website and conducting our business, subject to strict confidentiality agreements. We may also disclose information where required by law, court order, or government regulation.
Third-Party Service Providers
We may share limited information with service providers who help us operate our business, including:
- Website hosting and analytics providers
- Email and communication service providers
- Credit reporting and verification services (when applicable to financing)
- Legal and compliance advisors
These providers are contractually obligated to protect your information and may only use it to provide services to us.
Data Security
We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, or disclosure. However, no internet transmission or electronic storage is completely secure. We encourage you to use caution when transmitting sensitive information online.
Cookies and Tracking Technologies
Our website may use cookies and similar technologies to enhance your browsing experience, analyze usage, and improve our services. You can control cookie settings through your browser preferences. Disabling cookies may affect some website functionality.
Your Rights and Choices
Depending on your location and applicable law, you may have rights regarding your personal information, including:
- The right to access personal information we hold about you
- The right to correct inaccurate personal information
- The right to request deletion of your personal information
- The right to opt out of marketing communications at any time
- The right to withdraw SMS consent at any time by replying STOP
To exercise any of these rights, please contact us at elliot@emcfinancialmanagementresources.com.
Children's Privacy
Our website and services are intended for adults and business owners. We do not knowingly collect personal information from individuals under the age of 18. If we become aware that we have collected information from a minor, we will promptly delete it.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. We will post the updated policy on this page with a revised "Last Updated" date. Continued use of our website after any changes constitutes your acceptance of the updated policy.
Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
EMC Financial Management Resources LLC
300 E Business Way
Cincinnati, OH 45241
Email: elliot@emcfinancialmanagementresources.com