Privacy Policy

Introduction

Emes Capital, Inc. ("Company," "we," "us," or "our") operates a private credit and healthcare lending platform. This Privacy Policy explains how we collect, use, disclose, and otherwise process personal information through our website and application (collectively, the "Platform").

By accessing and using our Platform, you consent to the practices described in this Privacy Policy. If you do not agree with our practices, please do not use the Platform.

1. Information We Collect

1.1 Information Provided Directly by You

When you apply for lending or investment opportunities on our Platform, we collect information including:

• Contact information: name, email address, phone number, physical address
• Business information: company name, business structure, industry, years in operation
• Financial information: income, assets, liabilities, credit history, bank statements, tax returns
• Identification documents: government-issued ID, Social Security number (where applicable)
• Employment history and references
• Property and collateral information for real estate or asset-based financing

1.2 Information Collected Automatically

When you use our Platform, we automatically collect:

• Device information: IP address, browser type, operating system, device type
• Usage data: pages visited, time spent, clicks, referral source
• Cookies and similar tracking technologies
• Location data (if you permit access)

1.3 Information from Third Parties

We may receive information from credit bureaus, background check services, public records, and financial institutions to verify your identity, assess creditworthiness, and conduct underwriting and compliance due diligence.

2. How We Use Your Information

We use collected information for the following purposes:

• Processing loan applications and investment applications
• Underwriting, credit analysis, and risk assessment
• Complying with anti-money laundering (AML) and know-your-customer (KYC) regulations
• Verifying identity and conducting background checks
• Loan servicing, payment processing, and account management
• Communicating with you about your application, account, or transactions
• Detecting fraud, preventing financial crime, and protecting against unauthorized access
• Improving and personalizing your experience on our Platform
• Conducting analytics and generating aggregate statistics
• Complying with legal and regulatory obligations

3. Data Security

We implement industry-standard security measures to protect your personal information, including:

• Encryption of data in transit (HTTPS/TLS) and at rest
• Secure authentication protocols and access controls
• Regular security audits and penetration testing
• Employee training and strict confidentiality agreements
• Firewalls, intrusion detection, and monitoring systems

While we maintain comprehensive security practices, no system is entirely risk-free. We cannot guarantee absolute security of your information, and transmission over the internet carries inherent risk.

4. Sharing and Disclosure of Information

We may share your personal information with:

• Credit Bureaus & Reporting Agencies: To report loan information and payment history as permitted by law
• Service Providers: Vendors, processors, and technology partners who assist with loan servicing, payment processing, background checks, and compliance
• Investors & Lenders: Limited information necessary for loan funding and syndication purposes
• Legal & Regulatory Authorities: When required by law, regulation, court order, or government request
• Professional Advisors: Accountants, lawyers, and auditors as needed for legal and compliance purposes

We do not sell personal information to third parties for marketing purposes. We do not share information for purposes unrelated to our business unless you provide explicit consent.

5. Your Privacy Rights

Depending on your location, you may have the following rights regarding your personal information:

5.1 California Residents (CCPA/CPRA)

You have the right to:

• Know what personal information is collected and how it is used
• Delete personal information we hold about you (with certain exceptions)
• Correct inaccurate information
• Opt-out of the sale or sharing of personal information
• Receive data in a portable format

To exercise these rights, contact us at support@emestechnologies.com with your request and identifying information. We will respond within 45 days.

5.2 General Rights

You may request to access, update, or correct your personal information by contacting us. Please note that some information may be retained as required by law or for legitimate business purposes.

6. Cookies and Tracking Technologies

Our Platform uses cookies and similar technologies to enhance your experience, analyze usage, and ensure security. You may control cookie preferences through your browser settings, though disabling cookies may affect functionality.

7. Data Retention

We retain personal information for as long as necessary to provide our services and comply with legal obligations. For loan applicants, we typically retain information for 7 years following application closure to comply with lending regulations. Inactive accounts may be archived or deleted after an extended period of inactivity, in accordance with applicable law.

8. Third-Party Links

Our Platform may contain links to third-party websites. We are not responsible for the privacy practices of external sites. Please review their privacy policies before providing information.

9. Changes to This Privacy Policy

We may update this Privacy Policy periodically. We will notify you of material changes by updating the "Last Updated" date and, when appropriate, by providing additional notice (such as email). Your continued use of the Platform after changes constitutes your acceptance of the updated Privacy Policy.

10. Contact Us

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

Emes Capital, Inc.

Email: support@emestechnologies.com

We will respond to privacy inquiries within 30 business days.