Privacy policy
Privacy Notice – July 11, 2025
Privacy Notice
This Privacy Notice explains what information OppZo, Inc. (“OppZo” “we”, “our”, or “us”) collects about you when you visit this website www.oppzo.com (the “Website”), how we use this information, with whom we share it, and the choices you have in connection with this.
1. INFORMATION WE COLLECT AND WHY
Through your use of our Website, we collect personal information, which is information that identifies you as an individual, relates to you as an identifiable individual or, that along with other information, could identify you (collectively, “Personal Information”). We collect the following types of Personal Information:
A. Information You Provide To Us.
When you engage with certain aspects of our Website we collect Personal Information from you. This includes when you: Contact us by email. When you contact us or send us any feedback, comments, or suggestions, we collect from you any Personal Information you choose to include in such communication, as well as your email address if you contact us by email. We use this information to respond to your questions, feedback, comments, suggestions, or inquiries.
Interact with our social media. If you interact with us on our LinkedIn account, we may collect your name, email address, photo, list of social media contacts, and any other information you make, or which is accessible to us when you connect with us. We collect this information to allow you to follow us and interact with us. questions, feedback, comments, suggestions, or inquiries. Complete a Form “Apply Now”. If you fill out the form “Apply Now” on our Website you will need to provide your business’ annual revenue, name of business, business zip code, first and last name, select yes or no to answer whether you are a minority owned business, select PPP, SBA, both, or none to answer whether you have qualified for a PPP or SBA loan in the past, and a contact email. We collect this information to allow you to apply for a business loan. Make a payment. If you make a payment on our Website you will need to login to your account. See above for the Personal Information you must provide to create an account with us. Further, to make a payment, you shall need to provide personal identifiers including your email address, first and last name, credit card type, bank, number, expiration date, CVC code, and, if distinct, billing address. To make a payment, we use a service provider called Stripe. You can review Stripe’s privacy policy at https://stripe.com/privacy.
Promotional emails or text messages. If you sign up for promotional emails and/or text messages, we collect from you your name, email address, and phone number. If you apply for a loan, we may also enroll you in promotional emails automatically and to this end will collect the same information. You may opt out of receiving these email communications from us by following the unsubscribe link or instructions provided in any email. You may opt out of receiving these text messages from us by emailing us at info@oppzo.com and requesting to no longer receive these messages.
B. Information Collected Automatically When you use our Website, we use cookies and other technologies to automatically collect certain information about you. Cookies are text files that your web browser places on your computer or mobile device when you visit a website. Cookies can be “persistent” or “session” cookies. Persistent cookies stay on your device for a set period of time or until you delete them, while session cookies expire when you close your web browser. The cookies and other technologies deployed on our Websites collect the following information: Usage Information. Such as the pages on our Websites you access, the frequency of access, what you click on, and when you access the Websites. Location Information. Information about your location, which may be determined through your IP address or geolocation. Device Information. Information about the device you are using, such as hardware model, operating system, browser, and your Website preferences. In particular, we utilize the following cookies:
Strictly Necessary Cookies. These cookies are required for making use of our Websites. These cookies include security cookies to authenticate users, prevent fraudulent use of our Websites, and protect user data from unauthorized parties. Our strictly necessary cookies allow our Websites to function and allow you to use the features of our Websites. Analytics Cookies. We use Google Analytics to collect information on your use of the Website to improve our Website. In order to collect this information, Google Analytics may set cookies on your browser, or read cookies that are already there. Google Analytics may also receive information about you from applications you have downloaded that partner with Google. We do not combine the information collected through the use of Google Analytics with personally identifiable information. Google’s ability to use and share information collected by Google Analytics about your visits to our Website or to another application which partners with Google is restricted by the Google Analytics Terms of Use and the Google Privacy Policy. Please review those policies for here information about how Google uses the information provided to Google Analytics and how you can control the information provided to Google. To prevent your data from being used by Google Analytics, you can download the Google Analytics opt-out browser add-on for Google Analytics which can be found here.
2. HOW WE USE YOUR INFORMATION
We use the Personal Information we collect about you to: Process your payments. Respond to your questions, feedback, comments, suggestions, or inquiries. Respond to your application for employment. Interact with you on social media. Communicate with you about our Website or to inform you of any changes to our Website. Send you information on new products and/or services we feel may be of interest to you. Engage in internet-based advertising. Maintain and improve our Website and the services offered thereon. Diagnose Website problems and engage in fraud identification and prevention. Monitor user experience. Defend our rights and those of others. Efficiently maintain our business. Comply with the law. We also process and share information in an aggregated, de-identified manner, where the information is shared as part of a statistical report and does not contain personal information.
3. HOW WE SHARE YOUR INFORMATION
We share your Personal Information for the purposes set forth below.
Service Providers. We share Personal Information with our service providers, such as payment processors, email providers, advertising providers, and analytics providers. We limit the information shared with our service providers to what is necessary to fulfill the services. We use the following providers:
Federal Procurement Data System (FPDS.com). Their privacy policy can be found at https://www.fpds.gov/fpdsng_cms/index.php/en/?view=article&id=53.
System for Award Management (SAM.gov). Their privacy policy can be found at https://sam.gov/content/about/privacy.
Plaid, Inc. and its subsidiaries (plaid.com). Their privacy policy can be found at https://plaid.com/legal/#consumers.
First Mile Group, Inc. (alloy.com). Their privacy policy can be found at https://www.alloy.com/privacy-policy.
Intuit, Inc. (quickbooks.intuit.com). Their privacy policy can be found at https://www.intuit.com/privacy/.
Tax Guard, LLC (tax-guard.com). Their privacy policy can be found at https://tax-guard.com/privacy-policy.
Equifax, Inc. (Equifax.com). Their privacy policy can be found at https://www.equifax.com/privacy/.
Fedmine, LLC (fedmine.us). Their privacy policy can be found at https://www.fedmine.us/privacy/.
Wolters Kluwer N.V. (wolterskluwer.com/en). Their privacy policy can be found at https://www.wolterskluwer.com/en/privacy-cookies.
DocuSign, Inc. (docusign.com). Their privacy policy can be found at https://www.docusign.com/privacy/.
LexisNexis (lexisnexis.com). Their privacy policy can be found at https://www.lexisnexis.com/en-us/terms/privacy-policy.page.
Stripe, Inc. (stripe.com). Their privacy policy can be found at https://stripe.com/privacy.
Payment Processor. To make a payment, we use a service provider called Stripe. You can review Stripe’s privacy policy at https://stripe.com/privacy.
Analytics Providers. We use Google Analytics to collect information on your use of the Website to improve our Website. You may view Google Analytics Terms of Use and the Google Privacy Policy here for information about how Google uses the information provided to Google Analytics and how you can control the information provided to Google. To prevent your data from being used by Google Analytics, you can download the Google Analytics opt-out browser add-on for Google Analytics which can be found here.
Within OppZo. We share Personal Information within our corporate family, such as with subsidiaries, joint ventures, or affiliates, in order to efficiently carry out our business and to the extent permitted by law.
Corporate Reorganization. In the event that we enter into, or intend to enter into, a transaction that alters the structure of our business, such as a reorganization, merger, acquisition, sale, joint venture, assignment, consolidation, transfer, change of control, or other disposition of all or any portion of our business, assets or stock, we would share personal information with third parties, including the buyer or target (and their agents and advisors) for the purpose of facilitating and completing the transaction. We will also share Personal Information with third parties if we undergo bankruptcy or liquidation, in the course of such proceedings.
To Prevent Harm. We will share Personal Information if we believe it is necessary to detect, investigate, prevent, or take action against illegal activities, fraud, or situations involving potential threats to the rights, property, or personal safety of any person.
Legal Purposes. We will share Personal Information where we are legally required to do so, such as in response to court orders, law enforcement or legal process, including for national security purposes; to establish, protect, or exercise our legal rights, as required to enforce our terms of service or other contracts; to defend against legal claims or demands; or to comply with the requirements of any applicable law.
With Your Consent. We may request your permission to share your Personal Information for a specific purpose. We will notify you and request consent before you provide the Personal Information or before the Personal Information you have already provided is shared for such purpose.
4. CHOICES ABOUT YOUR INFORMATION
Update Account Information. You can update your account information (including your phone number, email address, username, password, and payment methods) at any time by logging in to your user account.
Online Advertising. To opt-out of interest-based advertising generally or to learn more about the use of this information you can visit the Network Advertising Initiative or the Digital Advertising Alliance. You can also visit the privacy settings of your Android or iOS device and select “limit ad tracking” (Apple iOS) or “opt-out of interest-based ads” (Android).
Google Analytics. You can control the information provided to Google and opt-out of certain by using one of the methods set forth here. You can also download the Google Analytics opt-out browser add-on for Google Analytics which can be found here.
Promotional Emails. You may opt-out of receiving marketing emails from us by clicking the “unsubscribe” link provided with each email. Please note that we will continue to send you notifications necessary to the Website, the services, and your loan(s).
Promotional Text Messages. With your consent, we may send you promotional text messages. You can opt out of these text messages at any time by emailing us at info@oppzo.com and requesting to no longer receive these messages.
Cookies. All session cookies expire after you close your browser. Persistent cookies can be removed by following your browser’s directions. To find out how to see what cookies have been set on your device, and how to reject and delete the cookies, please visit: https://www.aboutcookies.org/. Please note that each browser is different. For information on reviewing or deleting cookies from specific browsers, click on the appropriate browser: Firefox, Firefox IOS, Firefox Android, Safari, Safari Mobile, Chrome, Internet Explorer, Microsoft Edge, Opera. To find information relating to other browsers, visit the browser developer’s website. If you reset your browser to refuse all cookies or to indicate when a cookie is being sent, some features of our Website may not function properly. If you choose to opt-out, we will place an “opt-out cookie” on your computer. The “opt-out cookie” is browser and device specific and only lasts until cookies are cleared from your browser or device. The opt-out cookie will not work for strictly necessary cookies. If the cookie is removed or deleted, if you upgrade your browser or if you visit us from a different computer, you will need to return and update your preferences.
Location Settings. You may prevent your device from sharing your location data by adjusting the permissions on your device.
5. DO NOT TRACK DISCLOSURE
We do not support Do Not Track (“DNT”). Do Not Track is a preference you can set in your web browser to inform websites that you do not want to be tracked. You can enable or disable Do Not Track by visiting the Preferences or Settings page of your browser. For further details, visit https://www.eff.org/issues/do-not-track.
6. INFORMATION SECURITY
We implement and maintain commercially reasonable security measures to protect the Personal Information we collect. Our security measures include but are not limited to TLS 1.2 and AES-256. However, no security measure or modality of data transmission over the Internet is 100% secure and we are unable to guarantee the absolute security of the Personal Information we have collected from you transferred over the Internet.
7. THIRD PARTY LINKS
Our Website may contain links to other sites that are not operated by us. This Privacy Notice applies solely to the Personal Information collected on our Website. If you click on a third-party link, you will be directed to that third-party’s website. We strongly advise you to review the privacy notice of every website you visit.
8. CHANGES TO THIS PRIVACY NOTICE
OppZo reserves the right to amend this Privacy Notice at our discretion and at any time. Changes to the Privacy Notice will be posted on this page and will indicate the date the changes go into effect. Please check back and review the Privacy Notice for any changes. If we make any changes that materially affect your privacy rights, we will announce those changes by posting the revised Privacy Notice on our Website and will always indicate the date the last changes were published. If changes are significant, we will provide notice in an additional means we deem appropriate which may include directly notifying you by email.
9. CONTACT
If you have any questions about this Privacy Notice, please contact us by email at info@oppzo.com.
This Privacy Notice was last modified on August 11 , 2025.