Privacy Policy
Effective Date: May 26, 2025
EMD Xpress | www.emdxpress.com
1. Introduction
EMD Xpress and Affiliates(“Company”, “we”, “us”, or “our”) respect your privacy and is committed to protecting the personal information of visitors and users of our website, www.emdxpress.com (“Site”). This Privacy Policy outlines how we collect, use, disclose, and safeguard your information in compliance with Nevada Revised Statutes (NRS) Chapter 603A and applicable federal regulations.
By accessing or using the Site, you consent to the practices described in this policy.
2. Information We Collect
We collect information from users through direct input, automated technologies, and third-party integrations.
a. Personal Information (collected via web forms, funding applications, or contact):
- Full name
- Phone number
- Email address
- Mailing address
- IP address
- Social Security number (only if required for funding compliance)
- Banking information or financial documentation
- Driver’s license or government-issued ID
b. Non-Personal & Technical Information:
- Browser type and version
- Device information and identifiers
- Operating system
- Date/time of visits
- Pages viewed
- Referral URLs
- Session metadata and analytics
3. How We Use Your Information
Collected information may be used for the following purposes:
- To evaluate and process funding applications
- To perform identity verification and risk assessment
- To communicate with users about services or updates
- To conduct internal audits, analytics, and compliance reviews
- To enforce our Terms & Conditions, legal obligations, and fraud prevention
- To comply with federal, state, or industry regulatory requirements
4. Disclosure of Information
We may share your information with:
a. Authorized Third Parties:
- Payment processors, underwriting agents, affiliated lenders
- Legal counsel or compliance partners
- Hosting, CRM, or IT support vendors under NDA or DPA
b. As Required by Law:
- In response to subpoenas, court orders, regulatory inquiries, or law enforcement
- To comply with applicable laws and regulations, including Nevada’s consumer data privacy laws
c. In the Event of a Sale or Transfer:
- In connection with a merger, acquisition, sale of assets, or business restructuring
- Your information may be transferred to successor entities in accordance with this Privacy Policy
5. Your Rights (Nevada, Foreign, and Alien Customers)
If you are a Nevada resident, you have the right to:
- Review the personal information we have collected about you
- Request correction or deletion of inaccurate or outdated personal information
- Opt out of the sale of personal information (EMD Xpress does not sell your personal data)
- Request that we limit the use of your sensitive personal data
To exercise your rights, contact us at:
We will respond within 60 days of receipt, per Nevada law.
6. Data Security & Retention
EMD Xpress uses commercially reasonable physical, technical, and administrative safeguards to protect personal data. These include:
- SSL encryption
- Role-based data access restrictions
- Data retention policies compliant with NRS 239.010 and federal guidelines
- Secure storage of sensitive documentation
We retain data only as long as necessary to fulfill business, legal, and regulatory requirements.
7. Cookies and Tracking Technologies
We use cookies and similar technologies to enhance user experience, track performance metrics, and secure the Site. You can disable cookies via browser settings, though some functionality may be impacted.
8. Third-Party Links and Services
The Site may contain links to third-party websites or integrated services. We are not responsible for the privacy practices, security, or content of such sites. Use at your own discretion.
9. Children’s Privacy
Our services are intended for adults over the age of 18. We do not knowingly collect personal information from children. If we learn we’ve collected information from a minor, we will delete it promptly.
10. Non-Circumvention and Monitoring
You acknowledge that EMD Xpress may monitor usage behavior, track identifiable data, and retain user session logs to detect fraud, enforce terms, and prevent circumvention of the platform or business model. Any attempt to misuse, duplicate, reverse engineer, or access proprietary materials without authorization will be met with legal action.
11. Changes to This Policy
We reserve the right to modify this Privacy Policy at any time without prior notice. Updates will be posted with an effective date. Your continued use of the Site after changes constitutes acceptance of the revised policy.
12. Contact Us
For any questions or concerns related to this Privacy Policy or to submit a data request:
EMD Xpress Legal Department
Email: compliance@emdxpress.com