EmberPath Finance Privacy Policy

EmberPath Finance is built on a foundation of trust, integrity, and a steadfast commitment to protecting your privacy. We understand the sensitive nature of the financial information you share with us, and we employ industry-leading security measures to ensure its confidentiality and integrity.

Our approach to privacy is proactive and transparent. We believe you have the right to know how your data is handled, and we empower you with choices regarding its use. We adhere strictly to all applicable federal and state privacy regulations, constantly monitor our practices, and update our policies to meet evolving security standards.

• Comprehensive Protection: We use advanced encryption and robust security protocols.
• Transparent Practices: Clear explanation of what information we collect and how it's used.
• User Control: Providing options for you to manage your privacy settings.
• Regulatory Compliance: Strict adherence to all privacy laws and regulations.

We are continuously improving our privacy framework to safeguard your personal data effectively, providing you with peace of mind as you navigate your financial journey with EmberPath Finance.

To provide you with secure and personalized microloan and payday lending services, EmberPath Finance collects various types of information. This data enables us to assess your needs, process your applications, and comply with legal obligations.

Your information is primarily used to facilitate the microloan application and management process, ensuring you receive timely and appropriate services. We are judicious about how we use and share your data, prioritizing your privacy.

Primary Uses:

• Loan Processing: To assess your creditworthiness, process loan applications, and disburse funds.
• Account Management: For servicing your account, managing repayments, and providing customer support.
• Service Improvement: To analyze website usage, personalize your experience, and enhance our product offerings.

Information Sharing:

We only share your information when necessary and with trusted partners, under strict confidentiality agreements, or when legally obligated:

• Service Providers: Third-party vendors who assist with credit checks, payment processing, data analytics, and marketing (with opt-out options).
• Banking Partners: For processing transactions related to your loan.
• Legal & Regulatory Compliance: When required by law, court order, or to protect our rights, property, or safety.

We never sell your personal information to third parties for their independent marketing purposes without your explicit consent.

EmberPath Finance employs a multi-layered security approach to safeguard your data from unauthorized access, disclosure, alteration, or destruction. Our security measures are continuously updated to meet the latest industry standards.

• Advanced Encryption: All sensitive data is encrypted during transmission and while at rest using AES-256 encryption.
• Access Controls: Strict internal access controls ensure that only authorized personnel can access sensitive information, based on their job requirements.
• Regular Audits & Monitoring: Our systems undergo frequent security audits, penetration testing, and continuous monitoring to identify and mitigate vulnerabilities.
• Employee Training: All EmberPath Finance employees receive comprehensive training on data privacy and security best practices.
• Incident Response: We have robust protocols in place for detecting, responding to, and notifying relevant parties in the event of any data security incident.

You have fundamental rights regarding your personal information. EmberPath Finance is committed to empowering you with control over your data.

Your Rights Include:

• Right to Access: You can request a copy of the personal information we hold about you.
• Right to Correction: You can request corrections to inaccurate or incomplete data.
• Right to Deletion ("Right to Be Forgotten"): Under certain circumstances, you can request that we delete your personal information.
• Right to Opt-Out: You can opt-out of marketing communications at any time.
• Data Portability: You may request your data in a structured, commonly used, machine-readable format.

To exercise any of these rights, please contact our Privacy Officer using the details provided below. We will respond to your request in accordance with applicable laws.

Exercise Your Privacy Rights

Our website uses cookies and similar tracking technologies to enhance your experience, analyze site usage, and support our marketing efforts. Cookies are small text files placed on your device.

Types of Cookies We Use:

• Essential Cookies: Necessary for the website to function, enabling secure login and transaction processing.
• Analytical Cookies: Help us understand how visitors interact with our site, allowing us to improve performance and usability.
• Marketing Cookies: Used to deliver relevant advertisements and measure the effectiveness of our campaigns.

You have control over your cookie preferences. Most web browsers allow you to manage cookies through their settings. You can choose to block or delete cookies, though this may impact your experience on our website.

When you first visit our site, you will be presented with a cookie consent banner, allowing you to customize your preferences.

Manage Cookie Preferences

If you have any questions or concerns regarding this Privacy Policy or our data practices, please do not hesitate to contact our dedicated Privacy Officer.

• Privacy Officer: EmberPath Finance Data Protection Team
• Email: [email protected]
• Phone: (615) 873-9001
• Address: 315 Maplewood Drive, Suite 200, Nashville, Tennessee, 37203, United States

We are committed to resolving any inquiries or complaints promptly and transparently. You also have the right to lodge a complaint with your local data protection authority if you believe our processing of your personal information infringes applicable law.