E-sign Act Disclosures & Consent

Last updated: January 22, 2025

 

You agree to receive e-mails and other electronic communications from Oportun, Inc., its bank partners, its affiliates, and other third parties that may be providing services to you on behalf of Oportun (“we”, “us” or “our”) about your credit application, secured or unsecured personal loan, or savings, products or services, or any other products or services offered by or through us (collectively, “Services”). The communications may include disclosures, required notices, change in terms updates, periodic statements, account records and other communications, as applicable for the specific Services and/or accounts (collectively, “Communications”). This includes anything we’d otherwise be required to give to you in paper form (e.g. by mail).

You may not be able to obtain Services from us unless you agree to this Consent.

Your right to withdraw your consent

Personal loans: You have the right to have communications regarding your credit application, personal loan or credit card (“Lending Communications”) provided to you in paper form and the right to withdraw your consent to receive these electronic Lending Communications.

If you wish to receive a disclosure or other notice in paper form or if you wish to withdraw your consent to receive electronic Loan Communications, you may email us at [email protected] or you may write to us at Customer Service, Oportun, Inc., PO Box 4085, Menlo Parks, CA 94026. We will not impose any fee for sending paper copies or opting out of using electronic communications.

Any withdrawal of your consent to receive Lending Communications electronically will be effective only after we have a reasonable period of time to process your withdrawal, but in no event less than 10 days after we receive it. Please note that withdrawal of your consent to receive Lending Communications electronically will not apply to Lending Communications electronically provided by us to you before the withdrawal of your consent becomes effective.

Savings: You may withdraw your consent to electronically receive further Communications regarding our savings products and services (“Savings Communications”) at any time by contacting us at [email protected]. If you withdraw your consent to receive Savings Communications electronically, we will close your savings account, including any accounts held in your name at our bank partners, and return any balance in these accounts to your linked bank account or via check mailed to your address on file with us.

Any withdrawal of your consent to receive Savings Communications electronically will be effective only after we have a reasonable period of time to process your withdrawal, but in no event less than 10 days after we receive it. Please note that withdrawal of your consent to receive Savings Communications electronically will not apply to Savings Communications electronically provided by us to you before the withdrawal of your consent becomes effective.

Confidentiality of communications

If you have inquiries or questions, please email us at [email protected]. However, be advised that information sent by email may not be completely confidential not only because of certain aspects of electronic transfer, but also because others may have access to the computer or email address to which the mail response is sent. Unless you specifically state in capital letters within your inquiry as follows: “DO NOT RESPOND TO THIS INQUIRY BY EMAIL,” you hereby consent to response to your inquiries and questions via email in view of the risks inherent in using email.

You must keep your contact information current

You agree to notify us of any change to your contact information, including a change of your email address, by:

Copies of communications

You should print and save and/or electronically store a copy of all Communications that we provide to you electronically.

You can access these E-Sign Act Disclosures at Oportun.com/terms/e-sign.

Hardware and software requirements

To access and keep electronic Communications, you must have: (1) a connection to the internet; (2) a valid email address capable of receiving email through the internet; (3) a Current Version of Internet Explorer, Mozilla Firefox, Safari, or Chrome; (4) a Current Version of a program that accurately reads and displays PDF files; (5) a computer or device and an operating system capable of supporting all of the above; and (6) a printer to print out and save Communications in paper form or electronic storage to retain Communications in an electronic form. “Current Version” means a version of the software that is currently being supported by its publisher.

If you are accessing our website via a mobile device, such as a smart phone, in addition to the preceding requirements you must make sure you have software on your mobile device that allows you to print and save communications, including disclosures, you receive in connection with your loan. These applications can be found for most mobile devices in the applicable app store. Your access to this page verifies that your system and device meet the requirements for accessing the internet.

Changes

We can switch to communicating with you in paper form (and stop communicating electronically) when we deem it necessary and can also change these terms and conditions.

Your representations

You agree that: (1) you’ve read and understand this Disclosure and Consent; (2) you satisfy the minimum hardware and software requirements above; and (3) your consent will remain in effect until you withdraw it (see above).

 

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