OppU Privacy Policy

Privacy Policy

In the course of serving you, the OppU division of Opportunity Financial LLC (“OppU,” “we,” “us,” “our”) may obtain personal information about you. This Privacy Policy (“Policy”) explains how we collect personally identifying information and other information about you (“Personal Information”), how it is used, the circumstances under which such Personal Information might be disclosed to third-parties, and the steps we take to safeguard your Personal Information. This Policy applies to all the pages on the OppU website (OppLoans.com/mooc) (the “Site”), which is owned and operated by Opportunity Financial and is subject to our Terms of Use.

Information We Collect

The Personal Information we collect about you comes from the information you provide when you create a user account. This information includes:

  • Your username
  • Your email address
  • Your first and last name
  • Your city/town (optional)
  • Your country (optional)

We automatically collect certain information when you use our Site. This information may include:

  • Your IP Address
  • Your username (if you have logged in as a registered user)
  • The URLs you have requested to access
  • The dates and methods of requests
  • The status code of your requests
  • URLs of pages that referred you to the Site
  • The number of bytes transferred
  • Your web browser and operating system platform

Web server logs are retained on a temporary basis, during which time their contents are accessible to Site administrators, and then deleted completely from our systems. This means that user sessions will be tracked by IP address, but a user’s identity will remain anonymous.

 

Email 

We will only record your email address if you send us a message or submit it to us as part of the user registration process. We will only use your email address for the purpose for which you have provided it — i.e., to respond to a message from you or to communicate with you regarding your user account.

When you submit your email address to the Site during registration, we may ask you whether you want to receive periodic announcements from the Site by email. Accepting emailed announcements is entirely optional and not a condition of registration, and you may change your email settings at any time to subscribe or “unsubscribe” to these mailings.

Any feedback emailed to us using our email address oppu@opploans.com will be used for site performance evaluation only.

 

Cookies and Analytics

Technologies such as cookies, beacons, tags, and scripts are used by the OppU division of Opportunity Financial and our analytic partners or service providers. These technologies are used in authenticating your user settings, administering the Site, tracking users’ movements around the Site, analyzing trends, and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis. We may also allow other third-parties to use cookies and other tracking technologies on our Site.

Users may be able to control the function of some cookies through your browser settings. However, if you reject cookies, you may still use our Site, but your ability to use some features or areas of our Site may be limited.

The Site is not currently configured to respond to Do Not Track signals.

 

Third-Party Data Collection

Some content or applications on the Site may be provided by third parties, including analytics companies. These third parties may use cookies or other tracking technologies to collect information about you when you use the Site. Such information does not identify you individually. We do not control these third-parties’ tracking technologies or how they may be used. If you have questions about the collection or use of your information by these third-parties, please contact them directly. Some of these third-parties may provide you with ways to choose not to have your information collected or used for advertising purposes.

If you log into our Site through an account created with a third-party website (e.g, Facebook, Yelp, or LinkedIn), that third-party website may send us information about you, depending on the privacy settings that you have in place with that third-party website. Any information collected will be subject to the privacy policies of these third-party websites.

 

Google Analytics

 Google Analytics software is used to perform Site usage analytics. Google Analytics collects anonymous information from users to help OppU track Site usage and referrals from other websites. These data are used primarily to optimize the website experience for our visitors, but we may use the data as well to assist us in developing marketing plans for the Site.

Information collected and processed by Google Analytics includes the user’s IP address, network location, and geographic location. Google Analytics acquires all its information directly from the user, by installing a cookie (see below) on the user’s computer. The Site does not share any information it collects with Google, and Google Analytics does not collect any personally identifying information such as names, contact information, social security numbers or financial information. Accordingly, we cannot use any information acquired by Google Analytics to contact you directly. You can learn more about how Google uses and shares this personal information and about any choices you may have with regards to your personal information by visiting their web site at http://www.google.com/policies/privacy/partners

 

How We Use Your Information

 We may use your Personal Information to:

  • Administer, operate, facilitate, and manage your relationship and/or account with the OppU division of Opportunity Financial. This may include sharing such information internally as well as disclosing it to our third-party service providers.
  • Contact you by email with our relationship and/or account.
  • Facilitate our internal business operations, including assessing and managing risk and fulfilling our legal and regulatory obligations.
  • Better understand how users access and use our Site.
  • Improve Site performance.
  • Notify you about changes to our Site or policies.
  • Respond to your requests and otherwise fulfill any purpose for which you provide it to us.

 

Disclosure of Your Personal Information

 Opportunity Financial does not disclose your Personal Information to third-parties, except as described in this Policy. Third-party disclosures may include sharing such information with non-affiliated companies that perform support services for your account or facilitate your transactions with us, including those that provide professional, legal, or accounting advice to us.

We may also disclose your Personal Information to fulfill your instructions, to protect our rights and interests and those of our business partners, for any other purpose disclosed by us when you provide the information, or pursuant to your express consent.

 Under limited circumstances, your Personal Information may be disclosed to third-parties as permitted by, or to comply with, applicable laws and regulations, for instance, when responding to a subpoena or similar legal process, to protect against fraud, or otherwise cooperate with law enforcement or regulatory authorities. We may also disclose your information if we believe it is necessary to protect the rights, property, or safety of Opportunity Financial, our customers or others, or to enforce our contractual rights.

In the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of any or all of Opportunity Financial’s assets, some of your Personal Information held by us may be among the assets transferred to a buyer or other successor.

 

Accessing Your Information

While we make every effort to ensure that all information we hold about you is accurate, complete, and up-to-date, you can help us by promptly notifying us if there are any changes to your information. By creating a profile on our Site, you will be able to view and change many aspects of your account information by logging in with your online access credentials.

 

Information Security: How We Protect Your Privacy

We are committed to protecting the privacy and confidentiality of your Personal Information. We maintain physical, technical, and administrative safeguards to protect your Personal Information against loss, misuse, damage or modification, and unauthorized access or disclosure.

 

Social Media

Our Site includes or may include “Social Media Features,” such as the Facebook “Like” button and “Widgets,” such as the “Share” button or interactive mini-programs that run on our Site. These Features may collect your IP address and which page you are visiting on our Site and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third-party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it. We do not control and we take no responsibility for the use of your Personal Information by these third-party sites.

 

Third-Party Links

At times, our Site may contain links to other third-party websites. Any access to and use of such linked sites is not governed by this Privacy Policy but, instead, is governed by the privacy policies of those third-party websites. We are not responsible for the information practices of such third-party websites. We encourage you to review the privacy policies of these third-party sites before you disclose your Personal Information.

 

Children’s Privacy

In compliance with the Children’s Online Privacy Protection Rule (COPPA), we do not knowingly collect, use, or share any information from anyone under the age of 13 years. If we become aware that a child under 13 provided us with Personal Information, we will take steps to delete such Personal Information.

 

Other Privacy Policies or Statements; Changes to Policy

This Privacy Policy provides a general statement of the way in which OppU protects your Personal Information. This Policy may be changed from time to time to reflect changes in our practices concerning the collection, use, and sharing of Personal Information. The revised Privacy Policy will be effective immediately upon posting to the Site. Your continued use of the Site after we make changes is deemed to be acceptance of those changes, so please check the Privacy Policy periodically for updates.


Last modified: Wednesday, October 11, 2017, 10:33 AM