Privacy Policy
EMC Financial
Last Updated: March 2026
Direct Business Financing Inc. d/b/a EMC Financial (“EMC,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal and financial information you share with us. This Privacy Policy explains how we collect, use, disclose, and protect information when you visit our website, submit a financing application, or otherwise interact with our services.
EMC Financial provides financing solutions and capital advisory services to businesses. In the course of providing these services, we may collect information about businesses and their owners, officers, guarantors, and representatives.
By using our website or submitting information to us, you agree to the practices described in this Privacy Policy.
1. Information We Collect
We may collect the following categories of information:
Business Information
- Business name, address, and contact information
- Industry and operational details
- Revenue and financial performance
- Business bank account information
- Financial statements and tax returns
- Merchant processing statements
Personal Information
Information about owners, guarantors, and authorized representatives may include:
- Name
- Address
- Email address
- Phone number
- Date of birth
- Social Security Number or Tax ID
- Government identification information
- Ownership percentage in a business
Financial and Credit Information
- Credit history and credit scores
- Bank account balances and transaction history
- Loan and financing history
- Information obtained from credit bureaus and financial institutions
Technical Information
When you visit our website we may automatically collect:
- IP address
- Browser type
- Device identifiers
- Pages visited
- Referral sources
- Cookie and analytics data
2. Sources of Information
We collect information from several sources including:
- Directly from you when submitting an application or inquiry
- From financial institutions or bank data providers
- From credit reporting agencies
- From third-party verification services
- From public records and business databases
- From service providers and technology platforms used in underwriting and funding
3. How We Use Information
We use the information we collect to:
- Evaluate financing applications
- Underwrite and structure financing transactions
- Verify identity and prevent fraud
- Communicate with applicants and customers
- Match businesses with appropriate financing partners
- Comply with legal and regulatory obligations
- Improve our website and services
- Maintain records of transactions and communications
4. How We Share Information
We may share information with the following categories of third parties when necessary to provide financing services:
Capital Providers and Lending Partners
Banks, institutional lenders, private credit funds, and financing partners who may evaluate or fund a financing transaction.
Service Providers
Companies that assist with operations such as:
- credit reporting agencies
- identity verification providers
- underwriting platforms
- payment processors
- CRM and customer communication tools
- cloud storage and data security providers
Professional Advisors
Legal, accounting, compliance, and audit professionals.
Legal and Regulatory Authorities
We may disclose information when required to comply with:
- laws or regulations
- subpoenas or court orders
- government investigations
- fraud prevention efforts
We do not sell personal information to third parties.
5. Cookies and Tracking Technologies
Our website uses cookies and similar technologies to improve functionality and analyze usage.
Cookies may be used to:
- remember user preferences
- measure website performance
- analyze visitor behavior
- support marketing and analytics tools
Users may adjust cookie preferences through their browser settings.
6. Credit Reporting Authorization
By submitting a financing request, you authorize EMC Financial and its financing partners to obtain credit reports and other financial information from credit reporting agencies and financial institutions for underwriting and evaluation purposes.
This may include credit information relating to business owners, guarantors, or authorized representatives.
7. Financial Privacy Notice
EMC Financial collects and uses nonpublic personal information in connection with evaluating and facilitating financing transactions.
The categories of nonpublic personal information we may collect include:
- information provided on applications or forms
- information obtained from credit reporting agencies
- information obtained from financial institutions
- information regarding transactions with EMC Financial or our partners
We may disclose this information to:
- financial institutions and lending partners evaluating financing requests
- service providers performing business operations on our behalf
- legal or regulatory authorities when required by law
We maintain strict policies and procedures designed to protect the confidentiality of nonpublic personal information.
8. Information Security Program
EMC Financial maintains administrative, technical, and physical safeguards designed to protect the confidentiality and security of sensitive information.
These safeguards include:
- encrypted data transmission
- secure server infrastructure
- access control systems limiting employee access to sensitive data
- ongoing monitoring of systems for unauthorized access
- vendor security assessments
- internal policies governing the handling of confidential information
Our information security program is designed to comply with applicable federal and state data protection requirements.
9. Data Breach Notification
In the event of a data security incident involving personal information, EMC Financial will investigate the matter promptly and take appropriate steps to mitigate potential harm.
Where required by law, affected individuals will be notified in accordance with applicable federal and state data breach notification laws.
10. Data Retention
We retain information only as long as necessary to:
- evaluate financing opportunities
- maintain records of transactions
- comply with legal and regulatory requirements
- resolve disputes and enforce agreements
Information may be retained for longer periods when required by law or regulatory obligations.
11. Consumer Privacy Rights
Residents of certain states, including California, may have rights under applicable privacy laws including:
- the right to request access to personal information
- the right to request deletion of personal information
- the right to correct inaccurate personal information
- the right to limit certain data sharing practices
Requests may be submitted using the contact information below. We will verify identity before processing requests.
12. Children’s Privacy
Our services are intended for businesses and adults. We do not knowingly collect personal information from individuals under the age of 18.
13. Changes to This Privacy Policy
We may update this Privacy Policy periodically. Updates will be posted on this page with a revised “Last Updated” date.
Continued use of our services after updates constitutes acceptance of the revised policy.
14. Contact Information
For questions regarding this Privacy Policy or our data practices, please contact:
Direct Business Financing Inc. d/b/a EMC Financial
1680 Michigan Ave Suite 700-49
Miami Beach, Florida 33139