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.
The types of personal information we collect and share depend on the product or service you have with us.
This information can include:
When you are no longer our customer, we continue to share your information as described in this notice.
Please note: If you are a new customer, we can begin sharing your information 30 days from the date you complete your first transaction.
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 Attain Finance, LLC D/B/A Opt+® (hereinafter "Opt+") chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does Opt+ 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 purposes 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||Yes||Yes|
|For our affiliates to market to you||Yes||Yes|
|For non-affiliates to market to you||Yes||Yes|
Questions? Call 1-866-331-3063 or visit www.myoptplus.com
You are receiving this notice from Opt+. Opt+ provides services for the purpose of establishing, maintaining, and managing your prepaid debit card (hereinafter, "the Card").
To protect your personal information from unauthorized access and use, we take reasonable precautions and use security measures that comply with federal law. As examples, these measures include computer safeguards and secured files and buildings. We use encryption software to protect the security of your personal information during transmission of such information through our website (for example, the information you provide when submitting an application for your Account). Additionally, we educate all employees about the importance of confidentiality and customer privacy.
We collect your personal information, for example, when you:
We collect personal information on individuals only as allowed by law. We limit the collection of personal information to what is relevant and necessary to accomplish a lawful purpose. We collect your personal information from others, such as credit bureaus, affiliates, other companies and information provided by you, including information we collect when you visit our website, transaction information, and information we collect about you from third-party sources.
We do not collect home, business or email addresses, or account information from persons who simply browse our internet website. The information we do automatically collect includes the domain name or Internet Protocol address that relates to the machine or device used to access our website, the type of browser and operating system used, the date and time when the website is visited, device ID if you are on a mobile device, and web pages displayed.
Like many websites, our website uses "session cookies" and "persistent cookie" technology. Persistent cookies are small text files that our website places within your browser so that it can remember you when you show up again later – like cookie crumbs. None of these cookies store any of your personal information. We use persistent cookies to enhance your experience on our website while also protecting your privacy, as well as enhancing the functionality and performance of our website, and for analytical purposes. On our website, temporary cookies, also called session cookies, may be placed within your browser and expire as soon as you exit our website. Typically, session cookies are used to facilitate interactions between you and the fields in forms on our website.
Managing cookie preferences differs from browser to browser. Please refer to your web browser for further information. If you would like to disable cookies from www.myoptplus.com, please use the help function in your web browser to restrict cookies from our website.
We use Google Analytics to see how visitors are using www.myoptplus.com. Google Analytics reports traffic patterns anonymously. We may collect non identifying information, such as the type of browser and browser version you are using to access our website, the day and time you access our website, the referring website that linked you directly to our website (if you arrived at our website by clicking a link on another website), and limited geographic information. No personally identifiable information is collected for this purpose.
We partner with companies that deliver ads for financial products and services on sites that you visit on the web. In order to provide you with a more appropriate online experience, some of our ads that you may see are based on your previous online activity on our website and other websites. Information about your online activities, combined with other information, may be used to select an ad for a product or service that better matches your interests – which is called online behavioral advertising ("OBA") or interest-based advertising.
You can opt out from receiving ads based on your online behavior by visiting the Digital Advertising Alliance (DAA) opt-out page at http://www.aboutads.info/choices/. If you elect to opt out of OBA, you will still see ads but they may not be as pertinent to you. Please keep in mind that opting out is cookie-based and will only affect the specific computer and browser on which the opt-out cookie is applied. If you delete your browser cookies, or if you use a different computer or a different browser and want to continue to be opted out of OBA, you will need to opt out again. Opt+ does not currently have the capability to recognize "Do Not Track" signals or mechanisms from different web browsers.
Federal law gives you the right to limit only:
State laws and individual companies may give you additional rights to limit sharing.
To limit our sharing click here to access our opt-out mail-in form. By law, this opt-out will not apply to disclosures that are legally permitted, to disclosures we make to companies that perform services on our behalf, or to other financial institutions that have joint marketing agreements with us. Once we receive your opt-out request, we have a reasonable amount of time to stop the disclosures. You may always contact us for assistance if you wish to later revoke your opt-out election.
Companies related by common ownership or control. They can be financial and non-financial companies. Opt+ shares with our Affiliates so they can market to you.
Companies not related by common ownership or control. They can be financial and non-financial companies. Opt+ may share with non-affiliates so they can market to you.
A formal agreement between non-affiliated financial companies that together market financial products or services to you. Opt+ may enter into formal joint marketing agreements with others from time-to-time.
We will not share personal information with non-affiliates either for them to market to you or for joint marketing - without your authorization, unless required by law or regulation.
We will not share personal information with non-affiliates either for them to market to you or for joint marketing – without your authorization, unless required by law or regulation. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.
We will not share personal information from deposit or share relationships with non-affiliates either for them to market to you or for joint marketing – without your authorization, unless required by law or regulation.
We will not share personal information with non-affiliates either for them to market to you or for joint marketing without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization, unless required by law or regulation.