Last updated: October 30, 2025

Privacy Policy

1. Overview

Oportune1 (“Oportune1,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect personal information when you visit opportune1.com (the “Site”) or submit information to apply for or inquire about our services.

2. Information We Collect

a. Information You Provide
This may include your name, email address, phone number, mailing address, date of birth, government-issued identifiers (where permitted by law), employment and income information, financial and loan-related details, and communications you send to us.

b. Automatically Collected Information
When you use the Site, we may automatically collect information such as IP address, device type, browser type, operating system, pages viewed, referring and exit URLs, timestamps, and cookie or similar tracking identifiers.

c. Information from Third Parties
We may receive information from third parties such as credit bureaus, identity verification providers, fraud-prevention services, lenders, financial institutions, and compliance partners in connection with your inquiry or application.

3. How We Use Information

We use personal information to:

Process, evaluate, and service inquiries or applications
Verify identity, prevent fraud, and comply with legal obligations
Communicate with you about your inquiry, application, account, or services
Send transactional, service-related, and permitted marketing communications
Operate, maintain, analyze, and improve the Site and our services
Comply with regulatory, contractual, and law-enforcement requirements

4. SMS & A2P Communications (Privacy & Data Use)

If you provide a mobile phone number through opportune1.com, you expressly consent to receive SMS/text messages from Oportune1 related to:

Application status and follow-ups
Service notifications and customer support
Permitted marketing and promotional communications

Important SMS Privacy Disclosures:
Message frequency varies based on engagement.
Message and data rates may apply.
Consent is not a condition of purchase.
Mobile opt-in data will not be sold or shared with third parties for their own marketing purposes.

You may opt out of SMS messages at any time by replying STOP.
For help, reply HELP or contact [email protected].

5. How We Share Information

We may share personal information with:

Service providers and vendors that support our operations (IT, hosting, analytics, communications, identity verification, compliance)
Credit bureaus, lenders, and financial institutions to process applications
Affiliates operating under this Privacy Policy
Government authorities or regulators when required by law or to protect rights, safety, and property
Successors or assignees in connection with a merger, acquisition, financing, or sale of assets

We do not sell personal information or mobile opt-in data.

6. Cookies & Tracking Technologies

We use cookies, pixels, and similar technologies to operate the Site, enhance security, analyze performance, and personalize user experience. You can control cookies through your browser settings, though disabling cookies may limit Site functionality.

7. Your Choices & Rights

Marketing Preferences
You may opt out of marketing emails by following unsubscribe instructions or contacting us.

Access, Correction, and Deletion
Subject to applicable law, you may request access to, correction of, or deletion of your personal information by contacting us. We may retain certain information as required by law or for legitimate business purposes.

8. Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect personal information. However, no system is completely secure, and we cannot guarantee absolute security.

9. Data Retention

We retain personal information for as long as necessary to provide services, comply with legal and regulatory requirements, resolve disputes, enforce agreements, and maintain business records.

10. Children’s Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18.

11. International Users

If you access the Site from outside the United States, your information may be transferred to and processed in the U.S. or other jurisdictions that may have different data protection laws.

12. Third-Party Links

The Site may contain links to third-party websites. Oportune1 is not responsible for the privacy practices or content of those third parties.

13. Changes to This Policy

We may update this Privacy Policy at any time by posting a revised version on opportune1.com with a new “Last updated” date. Continued use of the Site constitutes acceptance of the updated Policy.

14. Contact Us

For privacy questions, data requests, or SMS concerns, contact:
[email protected]