Privacy Policy - AEM SERVICES INC

AEM SERVICES INC ("we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us when you:

Request information about our lending services
Complete a contact form or application
Communicate with us via email or phone
Subscribe to our updates or newsletters

The personal information we collect may include:

Name and contact information (email address, phone number, mailing address)
Business information (company name, industry, position)
Financial information (revenue, funding needs, business history)
Any other information you choose to provide

Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device and usage, including:

IP address and browser type
Operating system and device information
Pages visited and time spent on pages
Referring URLs and clickstream data

How We Use Your Information

We use the information we collect to:

Respond to your inquiries and provide information about our services
Process and evaluate loan applications
Communicate with you about your account or transactions
Send marketing communications (with your consent)
Improve our website and services
Comply with legal obligations and enforce our terms
Detect and prevent fraud or security incidents

SMS & Text Message Communications

Important Information About SMS Messaging:

If you opt in to receive SMS text messages from AEM SERVICES INC, the following terms apply:

Consent and Opt-In

By providing your mobile phone number and checking the SMS opt-in box on our contact form, you consent to receive marketing and informational text messages from AEM SERVICES INC. These messages may be sent using an automatic telephone dialing system (ATDS). Consent is NOT a condition of purchase or service.

Message Frequency and Charges

Message frequency may vary based on your interactions with us and the services you request. Message and data rates may apply depending on your mobile carrier plan.

Opt-Out Instructions

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

Help and Support

For help or more information about SMS messages, reply HELP to any message or contact us at tetiana@aem-business-solutions.com.

Mobile Number Usage and Protection

We will not sell, rent, or share your mobile phone number with third parties for their marketing purposes without your explicit consent. Your mobile number will be used solely for the purpose of sending you messages related to AEM SERVICES INC services and updates.

Carrier Limitations

SMS messages are supported by major U.S. carriers. Delivery of messages may be subject to carrier limitations, and we are not responsible for messages that are delayed or undelivered due to carrier issues.

How We Share Your Information

We may share your information in the following circumstances:

Service Providers: We may share information with third-party vendors who perform services on our behalf, such as data analysis, payment processing, and email delivery.
Business Transfers: If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.
Legal Requirements: We may disclose information when required by law, court order, or government request, or to protect our rights and safety.
With Your Consent: We may share information for any other purpose with your explicit consent.

Data Security

We implement reasonable administrative, technical, and physical security measures to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When information is no longer needed, we will securely delete or anonymize it.

Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information, including:

Access: Request a copy of the personal information we hold about you.
Correction: Request correction of inaccurate or incomplete information.
Deletion: Request deletion of your personal information, subject to legal obligations.
Opt-Out: Opt out of marketing communications (including SMS) at any time.
Portability: Request a copy of your data in a structured, machine-readable format.

To exercise any of these rights, please contact us at tetiana@aem-business-solutions.com.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected information from a child under 18, we will delete it promptly.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will post the updated policy on this page with a revised "Last Updated" date. Your continued use of our services after changes are posted constitutes your acceptance of the updated policy.

Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us:

AEM SERVICES INC
445 E 85TH ST
New York, NY 10028
Email: tetiana@aem-business-solutions.com