Privacy Policy

What This Privacy Policy Covers

• This policy covers how OP3 B.V., hereafter "OP3", treats personal information that it collects and receives, including information related to your past use of OP3 products and services. Personal information is information about you that is personally identifiable like your name, address, email address, or phone number, and that is not otherwise publicly available.
• This policy does not apply to the practices of companies that OP3 does not own or control, or to people that OP3 does not employ or manage.

Information Collection and Use

General

• OP3 collects personal information when you register with OP3, when you use OP3's products or services, when you visit OP3's pages or the pages of certain OP3 partners, and when you enter promotions or sweepstakes. OP3 may combine information about you that we have with information we obtain from business partners or other companies.
• When you register we ask for information such as your name, email address, birth date, gender, zip code, occupation, industry, and personal interests. For some financial products and services we may also ask for your address, Social Security number, and information about your assets. Once you register with OP3 and sign in to our services, you are not anonymous to us.
• OP3 collects information about your transactions with us. This information will not be sold to third parties.
• OP3 automatically receives and records information on our server logs from your browser, including your IP address, OP3 cookie information, and the page you request.
• OP3 uses information for the following general purposes: to customize the advertising and content you see, fulfill your requests for products and services, improve our services, contact you, conduct research, and provide anonymous reporting for internal and external clients.

Information Sharing and Disclosure

• OP3 does not rent, sell, or share personal information about you with other people or nonaffiliated companies except to provide products or services you've requested, when we have your permission, or under the following circumstances:
  • We provide the information to trusted partners who work on behalf of or with OP3 under confidentiality agreements. These companies may use your personal information to help OP3 communicate with you about offers from OP3 and our marketing partners. However, these companies do not have any independent right to share this information.
  • We respond to subpoenas, court orders, or legal process, or to establish or exercise our legal rights or defend against legal claims;
  • We believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of OP3's terms of use, or as otherwise required by law.
  • We transfer information about you if OP3 is acquired by or merged with another company. In this event, OP3 will notify you before information about you is transferred and becomes subject to a different privacy policy.
• OP3 displays targeted advertisements based on personal information. Advertisers (including ad serving companies) may assume that people who interact with, view, or click on targeted ads meet the targeting criteria - for example, women ages 18-24 from a particular geographic area.
  • OP3 does not provide any personal information to the advertiser when you interact with or view a targeted ad. However, by interacting with or viewing an ad you are consenting to the possibility that the advertiser will make the assumption that you meet the targeting criteria used to display the ad.
  • OP3 advertisers include financial service providers (such as banks, insurance agents, stock brokers and mortgage lenders) and non-financial companies (such as stores, airlines, and software companies).

Cookies

• OP3 may set and access OP3 cookies on your computer.
• OP3 doesn’t let other companies access your cookies on your computer. Other companies' use of their own cookies is subject to their own privacy policies, not this one. Advertisers or other companies do not have access to OP3's cookies.

Your Ability to Edit and Delete Your Account Information and Preferences

General

• You can edit your OP3 Account Information at any time.
• Preferences page from time to time. Users who visit this page can opt out of receiving future marketing communications from these new categories or they can unsubscribe by following instructions contained in the messages they receive.
• We reserve the right to send you certain communications relating to the OP3 service, such as service announcements, administrative messages and the OP3 Newsletter, that are considered part of your OP3 account, without offering you the opportunity to opt-out of receiving them.

Confidentiality and Security

• We limit access to personal information about you to employees who we believe reasonably need to come into contact with that information to provide products or services to you or in order to do their jobs.
• We have physical, electronic, and procedural safeguards that comply with federal regulations to protect personal information about you.

Changes to this Privacy Policy

• OP3  may update this policy. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in your OP3 account or by placing a prominent notice on our site.
  Questions and Suggestions
• If you have questions or suggestions, please fill in a contact form. You can also contact us, by sending an email to the following address: privacy@op3.com