Last updated: October 30, 2025

1. Acceptance of Terms

By accessing or using opportune1.com (the “Site”) and/or submitting information through the Site, including applying for loan-related services, you agree to these Terms of Service (“Terms”). If you do not agree, do not use the Site.

2. Services

Oportune1 (“Oportune1,” “we,” “us,” or “our”) provides lending brokerage and related informational services, including facilitating loan inquiries and applications with third-party lenders. Submission of information does not guarantee approval. All loan products are subject to lender review, credit approval, identity verification, documentation, and applicable federal and state laws.

3. Eligibility

You represent and warrant that:
You are at least 18 years of age (or the age of majority in your jurisdiction).
You have the legal authority to submit the information provided.
All information you submit is accurate, current, and complete.

4. User Conduct & Prohibited Use

You agree not to:
Provide false, misleading, or fraudulent information.
Impersonate any person or entity.
Attempt to access or disrupt Site systems, networks, or security features.
Use the Site in violation of applicable laws, regulations, or these Terms.

5. Consent to Communications (A2P / SMS Compliance)

By submitting your phone number and/or email address through opportune1.com, you expressly consent to receive communications from Oportune1, including but not limited to:

Application-related updates
Service notifications
Account or inquiry follow-ups
Customer support communications
Marketing and promotional messages (where permitted by law)

Communication Methods

These communications may be delivered via:
SMS / text message
Phone calls (including automated or prerecorded messages)
Email

Key Disclosures (Carrier-Required)

Message frequency varies based on user interaction.
Message and data rates may apply.
Consent is not a condition of purchase.

Opt-Out & Help Instructions

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

Opt-out requests will be honored promptly in accordance with applicable laws and carrier requirements.

6. Intellectual Property

All content on opportune1.com, including text, graphics, logos, and software, is the property of Oportune1 or its licensors and is protected by applicable intellectual property laws. Content may be used for personal, non-commercial purposes only unless prior written consent is obtained.

7. No Financial, Legal, or Tax Advice

All information provided on the Site is for general informational purposes only and does not constitute financial, legal, or tax advice. You should consult licensed professionals regarding your specific circumstances.

8. Disclaimers

The Site and services are provided on an “as is” and “as available” basis. Oportune1 makes no warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not guarantee uninterrupted, secure, or error-free operation of the Site.

9. Limitation of Liability

To the maximum extent permitted by law, Oportune1 shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, including loss of profits, data, or revenue, arising out of or related to use of the Site or services.

10. Indemnification

You agree to indemnify and hold harmless Oportune1, its affiliates, officers, directors, employees, and agents from any claims, damages, liabilities, or expenses arising from your use of the Site or violation of these Terms.

11. Third-Party Links & Services

The Site may include links to third-party websites or services. Oportune1 does not control and is not responsible for the content, policies, or practices of third parties.

12. Changes to Terms

Oportune1 may update these Terms 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 revised Terms.

13. Governing Law; Venue

These Terms are governed by the laws of the state in which Oportune1 operates, without regard to conflict-of-law principles. Exclusive jurisdiction and venue shall lie in the applicable state or federal courts within that jurisdiction.

14. Severability; Waiver

If any provision of these Terms is deemed unenforceable, the remaining provisions shall remain in full force and effect. Failure to enforce any provision does not constitute a waiver.

15. Contact Information

For questions regarding these Terms or communications preferences, contact:
[email protected]