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Privacy Policy

Last updated: October, 2022

This privacy policy explains how personal information (as such term is defined below) is collected, used, stored, and disclosed when you visit any online services offered by Oportun Inc. or Hello Digit LLC (collectively, “Oportun”). Our online services include our websites, mobile applications, and social sites. Other privacy principles or policies may apply depending on how you interact with Oportun, the specific Oportun financial products and services you have, or your state of residence. For example, California residents may have rights under the California Consumer Privacy Act as described in our California Consumer Privacy Act notice. Likewise, if you are an Oportun member, you may be subject to one or more of the following privacy notices for those accounts:

To the extent there is a conflict between this privacy policy and an applicable consumer privacy notice regarding Oportun’s handling of personal information for your account(s), the consumer privacy notice will take precedence.

Information we collect

Information You Provide

We collect the personal information you provide us along with data from other sources when you visit or use our online services for purposes such as researching or applying for Oportun products and services, responding to surveys, or managing the Oportun products you already have. Personal information is any information that we can use to identify, locate, or contact you. It also includes information that may be associated with your personal information, such as your financial history. The types of personal information we may collect include name, address, email address, phone number, date of birth, Social Security number, or other identifying information such as fingerprints or other biometrics.

Information About Your Transactions

We collect Personal Information about your transactions with us and others, as well as other information associated with your transactions such as amount received, amount paid for products or services, account balance, merchant information, Device Information and Log Information.

Information From Third Parties

We also collect Personal Information about you from other companies. For instance, we may receive Personal Information about you from affiliates, consumer reporting agencies, product marketing companies, transaction data providers and other third parties (such as those that assist with fraud prevention and AML compliance).

By way of example, Oportun works with Plaid to help you connect your external bank accounts (i.e., your accounts at financial institutions other than Oportun) to our services and to retrieve transaction and balance information for these accounts. To provide this service and to help create a secure connection to your external bank accounts, you consent to let Plaid collect and use your financial institution login information and access your account(s). If you have more than one external bank account at a particular financial institution, you can choose which account(s) you want to add. Not all accounts are supported. The personal information we and Plaid receive depend on the purpose(s) for which you or we are using Plaid, but may include your bank account number and bank routing number; your name, address, phone number and email address; and account transaction history and balances. We use this information as described in the “How we use information” section and in accordance with any specific disclosures given to you when you connect your bank account through Plaid.

You can terminate Plaid’s and our access to your external financial accounts by specifically updating your Oportun account settings through the application, by contacting us at the appropriate number or email provided in the “Updating Your Information” section below, or by using the Plaid Portal.

Information Automatically Collected

We or our third-party service providers may use a variety of technologies – including cookies and web beacons – that automatically (or passively) store or collect certain information whenever you visit or use our online services. This information may include Personal Information as well as statistical information that does not identify you ("Analytics"). Some Analytics may be correlated with Personal Information. When Analytics are, directly or indirectly, associated or combined with Personal Information, such Analytics will be considered Personal Information for purposes of this Privacy Policy.

Information that we automatically collect in connection with your access or use of our online services may include:

How we use information

In accordance with legal requirements, we will use your personal information to help deliver to you the best of what we and our partners offer, including to:

Please note that we may also use and disclose information that we maintain on an aggregate or anonymous basis (such that it does not identify any individual) for various business purposes in accordance with applicable laws and regulations.

Information Collected Through Cookies and Similar Technologies

We and our third-party service providers use various tracking technologies to collect information for debugging, fraud prevention, evaluating the performance of our marketing campaigns, and other purposes. The technologies, some of which may detect characteristics or settings of the device(s) you use to access our online services, include:

Targeted Advertising

Please note that third parties (including, for example, advertising networks and providers of external services like web traffic analysis services) use cookies, over which we have no control. These companies may use information about your visits to this and other websites to deliver advertisements – including across the internet and mobile apps and other devices – for goods and services that your browsing behavior suggests might interest you. For example, when you visit the Oportun website and explore our products, our advertising providers may use that information to determine which ads to show you after you leave our website.

For more information or to opt out of certain targeted advertising, please see the NAI’s Understanding Digital Advertising page or http://www.aboutads.info/choices/.

Please note that you may still see ads from Oportun after opting out of targeted advertising. The ads will be general rather than customized based on your web-browsing activities. Please also note that because opting out is dependent upon information stored in browser cookies or unique mobile or device identifiers, you will need to opt out separately on each of the browsers and devices that you use.

Do-Not-Track Signals

Do Not Track ("DNT") is an optional browser setting that allows you to express your preferences regarding tracking by advertisers and other third parties. While our online services should respond to browser DNT signals and similar mechanisms, we do guarantee that they will respond to all types of DNT signals or similar mechanisms.

Your privacy choices

If you want to stop receiving marketing offers and other promotional email messages from us, you can "opt out" by contacting us as indicated at the end of this Privacy Policy or by following the "unsubscribe" instructions in any communication you receive from us. You can ask that we stop sending marketing and other promotional text messages by replying “stop” to any such message you receive.

Please note that even if you opt out of marketing messages, we may still reach out to you with information about your account(s). For example, we may still send you payment reminders and confirmations.

You may have additional rights under applicable law, such as the California Consumer Privacy Act for California residents. For more information about these rights or choices and how to exercise them, please review our California Consumer Privacy Act notice (for California residents), the consumer privacy notice(s) for your Oportun account(s), or contact us using the information provided below at “How to reach us.”

Updating your information

Keeping your account information current is key to getting the best experience from us. In particular, please make sure you inform us of email address and phone number changes, since these are the quickest ways for us to communicate with you.

If you cannot make changes to your personal information through our online services, or you prefer to make them offline, you can tell us about changes and ask us to update our records by calling or writing to us using the contact information below. Before making changes to your personal information, we will ask you to provide adequate proof of your identity.


Keeping your information secure

We use reasonable physical, electronic, and procedural safeguards that are designed to protect and limit access to personal information. These measures include computer safeguards and secured files and buildings. We authorize our employees to access your information only when they need it to perform their job responsibilities, and we require companies that partner with us to protect your information.

Please note that information you send to us electronically may not be secure when it is transmitted to us. We recommend that you do not use unsecure channels to communicate sensitive or confidential information to us (such as your Social Security number).

You also play a role in protecting your Personal Information. Please safeguard your username and password for your Oportun account(s) and do not share them with others. Tell us right away if you detect any unauthorized use of your Oportun account(s).

Links to Third-Party Websites

When you use our online services, you may be directed to other websites that are beyond our control. We may also allow third-party websites or applications to link to our online services. We are not responsible for the privacy practices of any third parties or the content of linked websites, and this Privacy Policy will not apply. We encourage you to read the applicable privacy policies and terms and conditions of such parties and websites before providing any Personal Information to them.

How we share information

We may share your Personal Information with our affiliates and unaffiliated third parties when it is permitted or required by law. For example, we may share your Personal Information with:

If applicable, we will limit sharing of your personal information in accordance with any choices you’ve made under the privacy notice(s) for your account(s).

We may share information that is anonymized or aggregated, such that it does not identify any specific individuals, with our affiliates and third parties to help deliver products, services, and content that are better tailored to the users of our online services and for other purposes.

Children’s privacy

Our online services are not intended for children under the age of 13, and we request that these individuals not provide Personal Information through our online services. We do not knowingly collect Personal Information from children under 13.

Changes to our Privacy Policy

We may change this privacy policy from time to time. When we do, we will let you know by appropriate means such as by posting the revised version on this page with a new effective date. Any changes to this privacy policy will become effective when posted unless otherwise indicated.

Privacy Notice

Rev. 10/2022

FACTS WHAT DOES OPORTUN DO WITH YOUR PERSONAL INFORMATION?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social Security number and income
  • account balances and payment history
  • credit history and credit scores
    • When you are no longer our customer, we may continue to share your information as described in this notice.
    How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Oportun chooses to share; and whether you can limit this sharing.
    Reasons we can share your personal information Does Oportun share? Can you limit this sharing?
    For our everyday business purposes —
    such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus     		Yes No
    For our marketing purpose —
    to offer our products and services to you     		Yes No
    For joint marketing with other financial companies — Yes No
    For our affiliates’ everyday business purposes —
    information about your transactions and experiences     		Yes No
    For our affiliates’ everyday business purposes —
    information about your creditworthiness     		No We don’t share
    For our affiliates to market to you No We don’t share
    For non-affiliates to market to you No We don’t share

    Questions? Call 866-488-6090 or visit digit.co or oportun.com

    Who we are
    Who is providing this notice? Oportun, Inc. and its affiliates, such as Oportun, LLC and Hello Digit, LLC (collectively, “Oportun”)
    What we do
    How does Oportun protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
    How does Oportun collect my personal information? We collect your personal information, for example, when you
  • give us your income information or provide employment information
  • apply for financing or open an account
  • give us your contact information
    • We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
    Why can’t I limit all sharing? Federal law gives you the right to limit only
  • sharing for affiliates’ everyday business purposes—information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for non-affiliates to market to you
    • State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
    Definitions
    Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Our affiliates include PF Servicing, LLC and companies with an Oportun or Digit name such as Oportun Financial Corporation and Digit Advisors LLC
    • Non-affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Oportun does not share with non-affiliates so they can market to you
    • Joint Marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include retailers and financial companies
    • Other Important Information
    For California and Vermont Residents: We will not share information we collect about you with nonaffiliated third parties, except as permitted by the law of the state of your residence, such as to process your transactions or to maintain your account.
    For Texas Residents: Oportun is licensed and examined under the laws of the State of Texas and by state law subject to regulatory oversight by the Office of Consumer Credit Commissioner. Any consumer wishing to file a complaint against Oportun should contact the Office of the Consumer Credit Commissioner through one of the means indicated below: In Person or U.S. Mail: 2601 North Lamar Boulevard, Austin, Texas 78705-4207. Telephone No.: (800) 538-1579. Fax No.: (512) 936-7610. E-mail: [email protected] Website: www.occc.state.tx.us.

    How to reach us

    If you have any questions about this Privacy Policy or Oportun’s handling of your personal information, please contact us:

    Oportun
    PO Box 4085
    Menlo Park, CA 94026
    866-488-6090