Last Updated: Apr 21, 2026
Privacy Policy
This Privacy Policy describes how EMD Funders, LLC ("EMD Funders," "we," "us," or "our") collects, uses, stores, and shares information when you visit emdfunders.com (the "Site") or submit an application for our earnest money deposit funding services. By using the Site, you agree to the collection and use of information as described in this policy.
1. Information We Collect
Information You Provide Directly
When you submit an application, contact us, or use our services, we may collect the following categories of personal information:
- Identity Information: Full legal name, date of birth, government-issued ID information, Social Security Number (last 4 digits for identity verification), and entity name and EIN if applicable.
- Contact Information: Home address, mailing address, email address, and phone number.
- Transaction Information: Property address, purchase price, requested EMD amount, due diligence period, investment strategy, exit plan, and related deal documentation including unsigned purchase agreements.
- Financial Information: Payment method details used to pay application and EMD fees (processed securely through Stripe and/or bank wire). We do not store full credit card numbers.
- Communications: Emails, messages, call notes, and other correspondence you send to EMD Funders.
Information Collected Automatically
- Device and browser information (type, version, operating system)
- IP address and general geographic location
- Pages visited, time on page, referring URL, and other usage data via Google Analytics 4
- Session recordings and heat-map data via Microsoft Clarity (anonymized)
Cookies
We use cookies and similar tracking technologies to improve your experience on the Site. We use functional cookies (necessary for site operation) and analytics cookies (Google Analytics). We do not use advertising or retargeting cookies on the Site at this time.
2. How We Use Your Information
- Application Processing: To review, evaluate, and process your EMD funding application.
- Identity Verification: To verify your identity and screen against OFAC sanctions lists as required by applicable law.
- Transaction Management: To manage funded deals, track due diligence deadlines, and communicate with our escrow partner.
- Communications: To send application confirmations, payment receipts, deal status updates, and deadline alerts.
- Legal Compliance: To comply with applicable laws, regulations, and judicial or governmental orders.
- Fraud Prevention: To detect and prevent fraud, misrepresentation, and unauthorized use of our services.
- Site Improvement: To analyze usage patterns and improve the Site's functionality and user experience.
- Record Keeping: To maintain records of funded transactions as required by applicable financial regulations (minimum 7 years for funded deal files).
3. How We Share Your Information
We do not sell, rent, or trade your personal information to third parties for marketing purposes. We may share your information in the following limited circumstances:
- Escrow Partner: We share deal-specific information with our designated title and escrow partner as necessary to place and manage the funded deposit.
- Capital Partner: We share limited deal information with our funding partner as necessary to process deal funding.
- Payment Processors: Payment information is processed by Stripe and Bank of America, subject to their respective privacy policies.
- Legal and Compliance: We may disclose information to comply with applicable law, respond to legal process, enforce our agreements, or protect the rights and safety of EMD Funders and others.
- Professional Advisers: We may share information with our attorneys, accountants, and other professional advisers under obligations of confidentiality.
- Business Transfers: In the event of a merger, acquisition, or sale of all or substantially all of EMD Funders' assets, your information may be transferred as part of that transaction.
4. Data Retention
| Data Type | Retention Period |
|---|---|
| Funded deal files | Minimum 7 years from deal close or exit date |
| Declined application files | Minimum 3 years from date of decline |
| OFAC screening records | Minimum 5 years |
| Wire records and payment records | Minimum 7 years |
| Email correspondence | Minimum 7 years (retained in Google Workspace Vault) |
| Site analytics data | Per Google Analytics and Microsoft Clarity defaults |
5. Security
- Two-factor authentication enforced on all EMD Funders email and system accounts
- Encrypted transmission of data via HTTPS/SSL on the Site
- Access controls limiting employee and contractor access to personal information on a need-to-know basis
- Secure document handling via DocuSign for all executed legal documents
- Payment processing through PCI-compliant processor (Stripe)
No method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.
6. Your Rights & Choices
- Access: You may request a copy of the personal information we hold about you.
- Correction: You may request that we correct inaccurate or incomplete personal information.
- Deletion: You may request deletion of your personal information, subject to our retention obligations.
- Opt-Out: You may opt out of marketing communications by following the unsubscribe instructions in any email or by contacting us directly.
To exercise any of these rights, contact us at: legal@emdfunders.com. We will respond within 30 days.
7. California Residents
If you are a California resident, you may have additional rights under the CCPA/CPRA. EMD Funders does not sell personal information. Contact: legal@emdfunders.com.
8. Children's Privacy
The Site is not directed to children under 18. We do not knowingly collect personal information from anyone under 18.
9. Third-Party Analytics
We use Google Analytics 4 and Microsoft Clarity for session recording and heatmap analytics. You can opt out of Google Analytics by installing the Google Analytics Opt-Out Browser Add-On.
10. Changes to This Policy
We may update this Privacy Policy from time to time. Changes are effective when posted on the Site with a new effective date.
11. Contact Us
EMD Funders, LLC
Attn: Privacy Officer
1078 Summit Ave STE 292
Jersey City, NJ 07307
legal@emdfunders.com