Terms and Conditions

PLEASE READ THESE TERMS OF USE (“TERMS”) CAREFULLY. BY ACCESSING THIS SITE, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS. THESE TERMS AND CONDITIONS ARE SUBJECT TO CHANGE AT ANY TIME AT OUR SOLE DISCRETION. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, YOU MAY NOT USE THE SITE OR SERVICES AND MUST DISCONTINUE YOUR USE OF THE SITE AND SERVICES.

To print our full Terms of Use, print this page. To view our full Privacy Policy, click here.

Ownership of Site

Welcome to www.caron-invest.com (the “Site”). This Site is owned and operated by Opportunity Financial LLC (“CARON-INVEST,” and “we,” and “us,” and “our”). These Terms govern your use of the Site and any products and services made available via the site (“Services”). Your compliance with these Terms is a condition to your use of the Site and Services. By using our Site or applying for a Service, you are agreeing to these Terms and the terms of our Privacy Policy.

Modifications

Sbaf finance reserves the right, at its sole discretion, to change, modify, add or remove portions of these Terms at any time. It is your responsibility to check these Terms periodically for changes. Your continued use of the Site following the posting of changes will mean that you accept and agree to the changes. As long as you comply with the Terms, Sbaf finance grants you a personal, non-exclusive, non-transferable, limited privilege to enter and use the site.

Site Requirements

To use the Site and to view documents presented in connection with certain of our Products, you will need:

• A Current Version (defined below) of an Internet browser we support;
• A connection to the Internet;
• A Current Version of a program that accurately reads and displays PDF files (which may be either a browser that supports native PDF rendering or a program such as Adobe Acrobat Reader); and
• A computer or mobile device and an operating system capable of supporting all of the above.

By “Current Version”, we mean a version of the software that we support and that is currently being supported by its publisher. We support the Current Version and, for a period of time (at least three (3) months), the version immediately prior to the Current Version of Firefox, Google Chrome, Microsoft Edge and Safari.

Intellectual Property

This Site, the content, any materials downloaded, and all intellectual property pertaining to or contained on the Site (including but not limited to copyrights, patents, database rights, graphics, designs, text, logos, trade dress, trademarks and service marks) are owned by OppLoans or third parties and all right, title and interest therein shall remain the property of OppLoans and/or such third parties (collectively, the « Content »). Content is protected by applicable trade dress, copyright, patent and trademark laws, and various other intellectual property rights and unfair competition laws.

You are authorized solely to view and retain a copy of the pages of the Site for your own personal, non-commercial use. You may also view and make copies of relevant documents, pages, images or other materials on this Site for the purpose of transacting business with OppLoans. You agree that you will not duplicate, publish, modify, create derivative works from, participate in the transfer of, post on the World Wide Web, or in any way distribute or exploit the Site, or any portion of the Site for any public or commercial use without the express written consent of Sbaf finance. Additionally, you agree that you will not (i) remove or alter any author, trademark or other proprietary notice or legend displayed on the Site (or printed pages produced from the Site); and (ii) make any other modifications to any documents obtained from the Site other than in connection with completing information required to transact business with OppLoans.

Digital Millennium Copyright Act Notice – How to Provide Notice of Alleged Copyright Infringement

You may not use the Site for any purpose or in any manner that infringes the rights of any third party. In accordance with the Digital Millennium Copyright Act of 1998 (the “DMCA“), we have a designated agent for receiving notices of copyright infringement and we follow the notice and take down procedures of the DMCA. We may terminate your access to the Site in the event of repeated violations.

Procedure

If you believe that your work has been copied in a way that constitutes copyright infringement, please provide our copyright agent the following information as required by the DMCA: (a) a physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; (b) identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site; (c) identification of the material that is claimed to be infringing or to be the subject of infringing activity and information reasonably sufficient to permit us to locate the material; (d) information reasonably sufficient to permit us to contact you (e.g. your name, email address and phone number); (e) a statement that you have a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and (f) a statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.  It is often difficult to determine if your intellectual property rights have been violated. We may request additional information before we remove any allegedly infringing material. Please direct copyright infringement notifications to our DMCA Agent via email at contact@caron-invest.com or by mail at:

Legal Department
Opportunity Financial, LLC
130 East Randolph, Suite 3400
Chicago,  IL  60601

 Registration

Generally, you will be able to access and browse the Site without creating an account. However, the use of certain Site features may require you to register and create a username and password in order to access those features and portions of the Site. When you register an account on our Site, you are solely responsible for: (i) authorizing, monitoring, controlling access to and maintaining the confidentiality of your username and password; (ii) informing us, in writing or calling, of any need to deactivate a username due to security, confidentiality or other concerns; and (iii) any charges or damages that may be incurred by the use of your username or password, for any reason, until such time that you tell us to deactivate your account or other such notification that your account has been compromised or such other unauthorized use. We are not liable for any harm related to any authorized or unauthorized use of your username or password.

 Information Collected and Used

Information You Provide Us

We collect information you provide to us, for example when you create or modify your account, register to use our Site, purchase products or services from us, request information from us, contact customer support, or otherwise communicate with us. This information may include: name; home address; email address; home, work, and mobile telephone numbers; bank and/or other account numbers; date of birth; Social Security Number; driver’s license or other national, state, or government ID numbers; and salary and other financial information.

Information We Collect Automatically

Location / Geolocation Information and Your Internet Protocol (IP) address.

Information We Collect Through Your Use of Our Site

Google Analytics

We use Google Analytics, a web analytics service provided by Google LLC (“Google”) to collect certain information relating to your use of the Site. Google Analytics uses “cookies”, which are text files placed on your computer, to help the Site analyze how users use the Site. You can find out more about how Google uses data when you visit our Site by visiting “How Google uses data when you use our partners’ sites or apps”, (located at www.google.com/policies/privacy/partners/). We may also use Google Analytics Advertising Features to provide you with interest-based advertising based on your online activity. For more information regarding Google Analytics, please visit Google’s website, and pages that describe Google Analytics, such as www.google.com/analytics/learn/privacy.html.

Information Collected Through Cookies and Similar Technologies

We and our service providers use cookies, web beacons, and other technologies to receive and store certain types of information whenever you interact with our Site through your computer, tablet, or mobile device. A cookie is a small file containing a string of characters that is sent to your computer when you visit a website. When you visit the website again, the cookie allows the website to recognize your browser. Cookies may store unique identifiers, user preferences and other information. You can reset your browser to refuse all cookies or to indicate when a cookie is being sent. However, some website features or services may not function properly without cookies. We use cookies to improve the quality of our service, including to store user preferences, and track user trends.

Advertising

We may use how you browse in order to show you ads for OppLoans that are more relevant to your interests. We may use cookies and other information to provide relevant interest-based advertising to you. Interest-based ads are ads presented to you based on your browsing behavior in order to provide you with ads more tailored to your interests. These interest-based ads may be presented to you while you are browsing our Site or third-party sites not owned by OppLoans.

We belong to ad networks that may use your browsing history across participating websites to show you interest-based advertisements on those websites. Currently, our Site does not recognize if your browser sends a “do not track” signal or similar mechanism to indicate you do not wish to be tracked or receive interest-based ads. You can opt-out of receiving interest-based ads from us by clicking on the “ad choices” icon near the advertisement and selecting the marketing activities of which you would like to opt-out. To learn more about interest-based advertisements and your opt-out rights and options, visit the Digital Advertising Alliance and the Network Advertising Initiative websites (youradchoices.com and https://thenai.org/opt-out/), or by clicking the “ad choices” icon by the advertisement and selecting what types of advertisement you wish to opt out of. Please note that if you choose to opt out, you may continue to see ads on our Site, but they will not be based on how you browse and shop.

Social Media

Our Site includes or may include “Social Media Features” such as the Facebook “Like” button and “Widgets,” such as the “Share” button or interactive mini-programs that run on our Site. These features may collect your IP address and which page you are visiting on our Site and may set a Cookie to enable the Social Media Feature to function properly. Social Media Features and Widgets are either hosted by a third-party or hosted directly on our Site. Your interactions with these Social Media Features are governed by the terms and privacy policy of the company providing it. We do not control, and we are not responsible for the use of your personal information by these third-party sites.

Monitoring

Your use of the products and services on this Site may be monitored by us, and that the resultant information may be used by us for our internal business purposes or in accordance with the rules of any applicable regulatory or self-regulatory organization.

Privacy

Our Privacy Policy applies to our use of your personal information, and its terms are expressly incorporated by reference. For more information on how we collect, share, and protect your personal information, please visit our Privacy Policy.

Site Security

We use industry standard physical, technical, and administrative security measures and safeguards to protect the confidentiality and security of your information. You acknowledge that the use of a username and password is an adequate form of security. You further acknowledge and agree that internet transmissions are never completely private or secure and that any message or information that you may send to the Site may be read or intercepted by others, notwithstanding our efforts to protect such transmissions.

As a condition of your use of the Site, you agree that you will not take any action intended to: (i) access data that is not intended for you; (ii) invade the privacy of, or obtain the identity of, or obtain any personal information about any OppLoans customer or user of this Site; (iii) probe, scan or test the vulnerability of this Site or the OppLoans network or breach security or authentication measures without proper authorization; (iv) attempt to interfere with service to any user, host, or network or otherwise attempt to disrupt our business, including without limitation, via means of submitting a virus to this Site, overloading, “flooding,” “spamming,” “mail bombing,” or “crashing;” or, (v) send unsolicited mail, including promotions and/or advertising of products and services. Violations of system or network security may result in civil or criminal liability.

Electronic Communications

When you visit the Site or send emails to us, you are communicating with us electronically and consent to receive communications from us electronically to the extent permissible by law. We will communicate with you by email or by posting notices to this Site. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing to the extent permissible by law. By submitting your email to us, you agree that we may send emails to you for the purpose of advising you of changes or additions to the Site, about any of our products or services, or for such other purposes as we deem appropriate and as permissible by law.

Submissions, Reviews, Feedback and other Postings to the Site

If you submit, upload or post any comments, ideas, suggestions, information, files, images or other materials to us or the Site, or if you submit any materials through third party services, such as by tagging us on Instagram (collectively, “Submissions”), you represent and warrant that you are the owner of or have the necessary rights and licenses to provide such Submissions. You further agree to, and hereby grant to us, a royalty-free, irrevocable, and fully transferable right and license to use the Submissions at our discretion and to use your name as provided in connection with your Submission or as set forth in your account. Please do not provide any Submissions that (i) are abusive, unlawful, obscene, or harmful, or that could encourage criminal or unethical behavior, (ii) violate or infringes the intellectual property or privacy rights of any person or entity, or (iii) contain or transmit a virus or any other harmful component. We take no responsibility and assume no liability for any Submissions provided by you or any third party, and under no circumstances shall we be liable for any user Submissions, including, but not limited to any loss or damage that results from the Submissions being transmitted or made available on the Site or through the use of the Site and Services. OppLoans shall not be subject to any obligations of confidentiality regarding such Submissions except as may be expressly agreed in writing by OppLoans or as otherwise specifically required by law.

Terms Specific to Loan Products Offered through the Site

Applications submitted on this website may be originated by one of several lenders, including: Opportunity Financial LLC, a licensed lender in certain states; or one of our lending partners. All loans originated by our lending partners will be serviced by OppLoans.

California Residents. A married applicant may apply for a separate loan.

Ohio Residents. The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Married Wisconsin Residents. If you are married: (1) you confirm that any loan application that you make is made on behalf of your marriage or family; (2) no provision of any marital property agreement, unilateral agreement, or court decree under Wisconsin’s Marital Property Act will adversely affect a creditor’s interest unless prior to the time credit is granted, the creditor is furnished a copy of that agreement or decree or is given complete information about the agreement or decree; (3) you understand and agree that we will provide a copy of any loan agreement to your spouse for his or her information.

Notice to Service-members. Service-members on « active duty » or « active service » may be entitled to certain legal protections and debt relief pursuant to the Service-members Civil Relief Act (SCRA). For questions about the SCRA, service-members should contact their unit’s Judge Advocate, or their installation’s Legal Assistance Officer. A military legal assistance office locator for all branches of the Armed Forces is available at https://www.militaryonesource.mil/financial-legal/legal/.