EJN Financial (“we,” “us,” or “our”) values your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website https://ejnfinancial.wpenginepowered.com (the “Site”). By using the Site, you consent to the practices described below.

1. Information We Collect

We collect both information that you voluntarily provide and information that is automatically gathered when you use our Site. Information you may provide includes your full name, email address, phone number, mailing address, business or property details related to loan or financing inquiries, and any personal or financial documents you submit through our forms or communication channels. This also includes any communications sent via contact forms, calls, or consultations. We also collect certain technical and usage data automatically, such as your IP address, browser type, operating system, device identifiers, usage patterns, referral source, pages visited, and the amount of time spent on each page. Additionally, we use cookies and similar tracking technologies to collect behavioral data.

2. How We Use Your Information

We use your information to provide and manage our financing or consulting services, process loan applications and prequalification requests, improve the functionality and performance of our website, respond to customer inquiries and service requests, send newsletters and marketing communications (where consent has been provided), and comply with legal or regulatory requirements.

3. Legal Basis for Processing (GDPR)

If you are located in the European Economic Area (EEA), we collect and process your personal data only when we have a valid legal basis. This includes obtaining your consent, processing information as necessary to fulfill a contract, complying with legal obligations, or pursuing our legitimate interests such as fraud prevention and analytics.

4. Data Retention

We retain personal data only for as long as is necessary to fulfill the purposes described in this policy and to meet legal, accounting, or reporting requirements. Once the data is no longer required for these purposes, we securely delete or anonymize it.

5. Financial and Sensitive Data

Because we offer financial services, you may be asked to submit financial documents such as bank statements, business financial records, and credit history reports. This data is used exclusively for evaluating your eligibility for financing services and is safeguarded using industry-standard encryption and secure storage measures.

6. How We Share Your Information

We do not sell your personal data. However, we may share your information with lending partners or financial institutions involved in your application, trusted third-party service providers who support our business operations under confidentiality agreements, governmental or regulatory authorities when required by law, and analytics providers who help us improve our online presence and service delivery.

7. International Data Transfers

If you are accessing our website from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States. By using our services and submitting your data, you consent to this transfer and the associated data practices.

8. Your Rights and Choices

You have the right to access, correct, or delete your personal information, restrict or object to certain types of processing, and withdraw any previously given consent. If you wish to exercise any of these rights, you can contact us at [insert contact email]. If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA). These include the right to know what personal data we collect and how it is used, the right to access or delete your personal data, and the right to opt out of the sale of your information. While we do not sell personal information, we are still obligated to provide this notice. Requests may be submitted by contacting us via email at [insert contact email], and we will respond within 30 days.

9. Cookies and Tracking Technologies

We use cookies, pixels, and other tracking technologies to improve website performance, personalize your experience, analyze site traffic, and measure the effectiveness of our advertising efforts. You may adjust your browser settings to disable cookies; however, doing so may impact the functionality of our Site.

10. Consent and Opt-Out Mechanisms

By using our Site and submitting your information, you provide your consent to the collection and use of your data as outlined in this policy. You may opt out of marketing emails by clicking the “unsubscribe” link provided in any of our messages. If you wish to withdraw your consent for any type of processing, please email us at [insert contact email].

11. Account and Login Security (If Applicable)

If our services include a client login area or account registration, it is your responsibility to maintain the confidentiality of your username and password. We are not liable for unauthorized access to your account unless it is caused by a breach on our end.

12. Children’s Privacy

Our Site and services are not directed toward children under the age of 18. We do not knowingly collect or solicit personal information from minors. If we discover that we have inadvertently collected information from a child, we will take immediate steps to delete such data.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page along with a new “Last Updated” date. We encourage you to review this policy regularly to stay informed about our data practices.

14. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, you may contact us using the following details: EJN Financial Email: privacy@ejnfinancial.com Phone: (727) 513-6983 Website: https://ejnfinancial.wpenginepowered.com