Terms of Service
The Emergent Capital Funding LLC service and website (each as defined below) are operated by Emergent Capital Funding LLC an Indiana corporation. Emergent Capital Funding LLC is in the business of providing customers with small business loans, equipment financing, merchant cash advances and related services (“Service”). Emergent Capitial Funding LLC is not a stock broker, investment advisor or financial planner, and we do not provide financial, securities, legal or tax advice. Before making any decision, implementing any strategy or accepting any loan, advance or product from us, you should consider obtaining additional information and advice from your accountant, attorney, and/or other qualified advisors.
Accepting the Terms
By using the information, tools, features and functionality located at emergentfunding.com or subdomains (the “Website”) or by submitting an application for credit to Emergent Capital Funding LLC, you agree to be bound by these terms and conditions (the “Agreement”). You must read this Agreement in its entirety and accept the terms and conditions contained herein.
You may not use the Service and you may not accept this Agreement if you are under 18 years of age. You represent that you have the capacity to bind the company or entity applying for credit, on behalf of such company or entity. Before you continue, you should print or save a copy of this Agreement for your records.
Recipients and any information‐providers arising from any act or omission relating to the requesting, receiving or release of information, and each Owner/Officer represents that he or she is authorized to submit this form on behalf of Merchant. A copy of this authorization may be accepted as an original. The term “Representative” shall mean any funding source looking to offer, make available, or provide to the Merchant access to loans or merchant cash advances based on such Merchant’s future receivables or sales and/or structured with a periodic repayment feature. By clicking submit you agree to these terms..
Our website collects names, e-mail addresses, and other personal information from customers, partner, and visitors only when submitted via one of our online forms, such as our subscription form, application form, or mailing list registration form. This data is used solely by Emegent Capital Funding LLC to qualify you for one of our small business loan programs and is not sold to third parties.
Credit Profile Authorization
You certify that (i) you are authorized on behalf of the company whose name you have entered to apply for credit and use the service, and (ii) all information you provide is true, correct and complete and that you will notify us of changes to such information. You understand and agree that we and our agents and assignees are authorized to contact third parties to conduct background checks and other investigative reports and make credit report inquiries (including requesting business and personal credit bureau reports from credit reporting agencies and other sources) or for any other lawful purpose, and that Emergent Capital Funding LLC has the authority for the foregoing in connection with any update, renewal, or extension of the credit to the company on whose behalf you are applying for credit. Upon your written request, we will advise you if we obtained a credit report. You understand and agree that Emergent Funding LLC is making no commitment or guarantee that any product, evaluation, or guidance provided by Emergent Capital Funding LLC will result in an approval for credit from Emergent Capital Funding LLC or it's affiliates or partners. All loans are subject to underwriting and restrictions may apply.
Information We Collect
We collect information required to verify your identity, to determine whether or not you qualify for one of our loan products, and to process your account including deducting automatic payments. We collect information that includes your bank statements, credit card statements, your average bank balance, personal and business credit history, tax ID number, social security number, bank account information and payment behavior. We may conduct a site visit to collect information. We also obtain your credit score from the three credit bureaus. Once you are an Emergent Capital Funding LLC customer, we may reach out to you for information again if you decide to renew your loan.
Privacy and Sharing of Information
By providing us the required information as outlined above and in your application, you are granting Emergent Capital Funding LLC and our trusted business partners and service providers access to it. Your information is held securely by Emergent Capital Funding LLC and our trusted partners. We may share your basic information (Name, Company Name, Phone, Email Address and Requested Loan Amount) with one of our business partners if we are unable to provide you with a loan.
Security of Information
Emergent Capital Funding LLC takes the security of your information seriously. Emergent Capital Funding LLC protects your information using bank-level data security: 128 bit-encryption and a Secure Sockets Layer (SSL) protocol. This creates an encrypted connection between your browser and our servers. All information remains encrypted at all times.
If you allow Emergent Capital Funding LLC to see your banking information online rather than in paper form, it is on a read-only basis. We do not have access to change, edit, or modify bank account information in any way. Emergent Capital Funding LLC Inc. employees cannot view your banking username and passwords, and we securely store them in separate encrypted areas with our financial services providers.
Emergent Capital Funding LLC and your business partners may contact you to offer you products and services that may of interest to you. To opt-out of receiving emails, telephone solicitations or other forms of contact from Emergent Capital Funding LLC, and our trusted business partners regarding other products and services, please send an email to firstname.lastname@example.org with “Opt-Out” in the Subject line, or a letter by postal mail to:
Emergent Capital Funding LLC
397 North Union Street
Russiaville, IN 46979
You must include your full name and business mailing email addresses and account number. Once we locate your contact information based on the information you provide us, and it will be removed from our databases and mailings lists
.Emergent Capital Funding LLC respects the privacy of its small business customers, partners, and affiliates. If you have any questions about the operation of our website, or our small business loan programs please contact us at email@example.com or call emergentfunding.com customer service at 317-564-9700.