Effective date: November 11, 2026

EMDFunding.net is operated by North Florida Private Capital LLC ("EMDFunding.net," "we," "us," or "our"). This Privacy Policy explains what information we collect when you visit our website, submit a funding request, apply to become a lending partner, upload documents, call or text us, or chat with us, and how we use and protect that information.

1. Information We Collect

Information you give us. When you use our forms, chat, phone line or email, we may collect:

• Contact details: name, company name, phone number, email address and mailing address.

• Deal information: property address and details, earnest money deposit (EMD) amount, deal type, contract dates, inspection period, exit strategy, seller and end-buyer information, and other details you choose to share.

• Title company or closing attorney contact information.

• Documents you upload, such as purchase contracts, addenda and signed agreements.

• For lending partners: investment preferences, funding capacity, preferred states, property types and similar information.

• Records of calls, voicemails, text messages and chat conversations with us, including summaries created by our automated assistant.

Information collected automatically. When you visit our website we may collect your IP address, browser and device type, pages viewed, time zone, referring website and similar usage data through cookies and similar technologies.

2. How We Use Your Information

• To review, evaluate and process your EMD funding request or lending partner application.

• To prepare, send and collect signatures on agreements and related documents.

• To coordinate with the title company or closing attorney handling your transaction.

• To match funding requests with lending partners in our network.

• To contact you about your request, documents, deadlines, call-back requests and account status.

• To send marketing messages, only where you have given consent.

• To operate, secure and improve our website and services, prevent fraud, and comply with legal obligations.

3. How We Share Information

We do not sell your personal information. We share information only as needed to provide our services:

• Title companies and closing attorneys involved in your transaction, so the deposit can be delivered, held and returned.

• Lending partners and investors in our network who are considering funding your request. They receive the deal information needed to evaluate it.

• Service providers who help us run our business, such as our CRM and website platform, e-signature, payment processing, phone, text and email providers. They may use your information only to perform services for us.

• Legal and safety reasons: when required by law, subpoena or court order, or to protect our rights, property or safety, or that of others.

• Business transfers: in connection with a merger, sale or transfer of our business, subject to this Policy.

4. Text Messaging (SMS)

If you provide your mobile number and check the consent box on our forms, you agree to receive text messages from EMDFunding.net. Non-marketing messages are about your EMD funding request, application status, documents and call-back follow-ups. Marketing messages, if you separately opt in, may include new funding programs, special offers and investor opportunity updates. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time, or HELP for help. Consent to receive texts is not a condition of any purchase or funding.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties, except the service providers that deliver our messages.

5. Calls, Recordings and Automated Assistant

Calls to our phone line and chats on our website may be answered by an automated AI assistant. Calls and chats may be recorded, transcribed and summarized so we can respond to your request and improve our service.

6. Cookies

We use cookies and similar technologies to keep our website working, remember your preferences, understand how the site is used and measure our marketing. You can block or delete cookies in your browser settings, but some parts of the site may not work properly.

7. Data Security and Retention

We use reasonable administrative, technical and physical safeguards to protect your information. No method of transmission or storage is completely secure, so we cannot guarantee absolute security. We keep information for as long as needed to provide our services, maintain transaction records, resolve disputes and meet legal, tax and accounting requirements.

8. Your Choices and Rights

• You can opt out of text messages by replying STOP, and out of marketing emails by using the unsubscribe link.

• You can ask us to access, correct or delete your personal information by contacting us below. We may keep information we are required to keep by law or for legitimate business purposes, such as completed transaction records.

• Depending on where you live, you may have additional privacy rights under state law. Contact us to make a request.

9. Children's Privacy

Our services are intended for adults. We do not knowingly collect personal information from anyone under 18.

10. Third-Party Links

Our website may link to third-party websites and documents. We are not responsible for their content or privacy practices.

11. Changes to This Policy

We may update this Privacy Policy from time to time. The effective date at the top shows when it was last changed. Continued use of our services after an update means you accept the updated Policy.

12. Contact Us

North Florida Private Capital LLC, d/b/a EMDFunding.net

1200 Riverplace Blvd, Suite 105, Jacksonville, FL 32207

Phone: (904) 345-0922

Email: [email protected]