OORAA Privacy Policy

1. Scope and Definitions

We do not "sell" personal information as defined by applicable law. We may "share" personal information for cross-context behavioral advertising. California and certain other state residents have the right to opt out of such sharing and targeted advertising.

We honor Global Privacy Control (GPC) and other recognized universal opt-out signals where required.

2. Information We Collect

Information you provide directly: name, email, phone number, mailing address, and financial details you choose to share (e.g., debt obligations).

Information collected automatically: IP address, browser type, operating system, device identifiers, approximate or precise geolocation (if enabled), referral source, browsing behavior.

Information from partners: demographics, lead sources, or marketing preferences from lead vendors, affiliates, or advertising/data partners, who are required to comply with applicable law and provide proper consent provenance.

3. How We Use Information

• To provide requested services, quotes, or evaluations.
• To support enrollment in debt-relief programs.
• Customer support and communication.
• Marketing our services (with consent where required).
• Improving our Site, services, and advertising effectiveness.
• Compliance with legal or regulatory requirements.
• Limited use of sensitive personal information (financial/debt data, precise geolocation) only for necessary purposes permitted by law.

4. Sharing & Selling of Information

We may disclose personal information:

• To service providers/contractors (e.g., IT support, email services). We require them by contract to use PI only for our purposes, apply safeguards, and assist with consumer rights requests.
• To debt-relief providers or law firms we connect you with. In some cases, we may sell personal information (such as identifiers or financial details you provide) to these partners in exchange for compensation.
• To advertising platforms (e.g., Meta, Google) for marketing purposes. Only basic contact data (hashed where required) is used; we do not transmit debt balances, SSNs, or bank account data.
• As required by law (subpoenas, investigations).
• In connection with business transfers (mergers, acquisitions, asset sales). If ownership changes, we will notify you and honor prior opt-outs where required.

You have the right to opt out of the sale or sharing of personal information at any time by clicking the Do Not Sell or Share My Personal Information link on our Site. We also honor Global Privacy Control (GPC) and other universal opt-out signals as required by law.

We do not knowingly "sell" or "share" personal information of individuals under 16 without appropriate opt-in consent.

5. Data Retention

We retain personal information only as long as needed:

• Lead records: 2 years unless you opt out sooner.
• Contracts/transactions: 7 years (legal/accounting).
• Website logs/cookies: 12 months.

We securely delete or anonymize when data is no longer required.

6. Security of Information

We implement reasonable safeguards, including encryption in transit and at rest, access controls, employee training, and vendor oversight. We maintain an incident response plan and will notify you as required by law in the event of a breach.

7. International Data Transfers

Your information may be stored in the U.S., Canada, or Australia. If you reside outside these regions, data protection laws may differ.

We do not target or offer services to EEA/UK residents.

8. Your Privacy Rights

Depending on your state of residence, you may have the right to:

• Access the personal information we hold.
• Request correction or deletion.
• Opt out of "sale," "sharing," targeted advertising, or profiling.
• Limit use/disclosure of sensitive personal information (where applicable).
• Obtain a portable copy of your data.
• Withdraw marketing consent.

Appeals: If we deny your request, you may appeal within 60 days by contacting [email protected]. We will respond within the timeframe required by law, including instructions for contacting your state attorney general.

How to exercise rights: Email [email protected], call 888-888-9914, or submit a webform. We verify requests through identity checks and may require additional documentation for authorized agents.

We will not discriminate against you for exercising your privacy rights.

9. Children's Privacy

Our Services are not directed to children under 13, and we do not knowingly collect their information. We do not sell/share PI of users under 16. For ages 13–15, we require opt-in consent for any sale or sharing.

10. Cookies & Tracking (Cookie Policy)

We use cookies and similar technologies for essential site functions, analytics, and advertising.

• Strictly necessary cookies – required for site functionality.
• Analytics/performance cookies – help us improve our site.
• Advertising cookies – support marketing and may share hashed identifiers with partners like Google or Meta.

Your choices:

• You can manage cookies through your browser settings.
• You may opt out of advertising cookies and sharing at any time via our Do Not Sell or Share My Info link.
• We honor Global Privacy Control (GPC) signals where required by law.

By clicking "I Agree" on our cookie banner or continuing to browse our Site, you consent to our use of cookies as described in this Policy.

11. Communications

You may unsubscribe from marketing emails anytime via the link in our messages.

SMS/Text Messaging: By providing your number, you consent to receive recurring automated marketing and informational texts from OORAA. Consent is not a condition of purchase. Message and data rates may apply. Frequency varies. Reply HELP for help, STOP to cancel. See our SMS Terms for details.

12. State-Specific Disclosures

The table below summarizes our practices over the past 12 months (as required by CA/CO/CT/VA/UT laws):

Nevada residents: You may opt out of the "sale" of your data by emailing [email protected].

California Shine-the-Light: We do not share personal information for third-party direct marketing.

13. Changes to This Policy

We may update this Privacy Policy periodically. Significant changes will be posted on our Site or notified by other means.

14. Accessibility

If you need this Privacy Policy in another format, please contact [email protected] or call 888-888-9914.