Terms & Conditions | EMC Financial Management Resources LLC

Agreement to Terms

These Terms and Conditions ("Terms") govern your use of the website located at theemcfinancialmanagementresources.com (the "Site") and your interactions with EMC Financial Management Resources LLC ("EMC," "Company," "we," "us," or "our").

By accessing the Site or contacting us in connection with our services, you agree to be bound by these Terms. If you do not agree to these Terms, please discontinue use of the Site immediately.

About Our Company

EMC Financial Management Resources LLC is a direct business lender headquartered in Cincinnati, Ohio. We provide working capital loans, revenue-based financing, and business lines of credit to qualifying businesses. We are not a bank, credit union, or depository institution.

All financing is subject to credit approval, underwriting review, and applicable state and federal regulations. Nothing on this Site constitutes a commitment or guarantee to provide financing.

Use of the Website

Permitted Use

You may access and use the Site for lawful purposes related to exploring our business financing products and services. You agree not to:

Use the Site in any way that violates applicable laws or regulations
Transmit unsolicited commercial communications
Attempt to gain unauthorized access to any portion of the Site
Interfere with or disrupt the Site's operation
Reproduce, duplicate, or copy Site content without written permission
Submit false or misleading information through our contact forms

Informational Purposes Only

The content on this Site is provided for general informational purposes only. It does not constitute financial, legal, or investment advice. You should consult qualified professionals before making financial decisions.

SMS Terms & Conditions

📱 SMS / Text Message Program

If you opt in to receive SMS or MMS text messages from EMC Financial Management Resources LLC, the following terms govern that communication:

Program Description

By opting in, you consent to receive recurring marketing and promotional SMS/MMS messages from EMC Financial Management Resources LLC, including information about our financial products, services, offers, and updates. Messages may be sent using an automated telephone dialing system (ATDS).

Message Frequency & Costs

Message frequency varies. You may receive up to 4 messages per month.
Standard message and data rates from your mobile carrier may apply.
EMC Financial Management Resources LLC does not charge for SMS messages, but carrier rates may apply.

Opt-Out Instructions

You may opt out of SMS communications at any time by replying STOP to any text message received from us. After opting out, you will receive a one-time confirmation message, and no further SMS messages will be sent unless you opt in again.

Help

Reply HELP to any message for assistance, or contact us directly at elliot@theemcfinancialmanagementresources.com.

Not a Condition of Service

Consent to receive SMS/MMS messages is not a condition of obtaining any product or service from EMC Financial Management Resources LLC. You may engage with our services without opting in to SMS communications.

Privacy

SMS opt-in information and consent will not be shared with third parties. For full details, see our Privacy Policy.

Financing Products & Services

All references to financing products on this Site — including working capital loans, revenue-based financing, and business lines of credit — are subject to the following:

All financing is subject to credit approval and underwriting review
Terms, rates, amounts, and eligibility may vary based on business profile
Approval is not guaranteed based on submission of an inquiry or application
Financing terms will be disclosed fully in any loan or financing agreement before execution
EMC Financial Management Resources LLC is a direct lender and does not operate as a broker or intermediary

Intellectual Property

All content on this Site, including text, graphics, logos, and design elements, is the property of EMC Financial Management Resources LLC or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.

Disclaimer of Warranties

THE SITE AND ITS CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. EMC FINANCIAL MANAGEMENT RESOURCES LLC DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, EMC FINANCIAL MANAGEMENT RESOURCES LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OR INABILITY TO USE THE SITE OR OUR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Third-Party Links

The Site may contain links to third-party websites. These links are provided for convenience only. We do not endorse, control, or assume responsibility for the content, privacy practices, or terms of any third-party site. Accessing third-party sites is at your own risk.

Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Ohio, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Hamilton County, Ohio.

Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to the Site with an updated "Last Updated" date. Your continued use of the Site following any changes constitutes your acceptance of the revised Terms.

Contact Information

Questions about these Terms & Conditions should be directed to:

EMC Financial Management Resources LLC
300 E Business Way
Cincinnati, OH 45241
Email: elliot@theemcfinancialmanagementresources.com