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OPO Terms and Conditions
By downloading or using the app, these terms will automatically apply to you – you should make sure therefore that you read them carefully before using the app. You’re not allowed to copy, or modify the app, any part of the app, or our trademarks in any way. You’re not allowed to attempt to extract the source code of the app, and you also shouldn’t try to translate the app into other languages, or make derivative versions. The app itself, and all the trade marks, copyright, database rights and other intellectual property rights related to it, still belong to OPO Group Inc..
OPO Group Inc. is committed to ensuring that the app is as useful and efficient as possible. For that reason, we reserve the right to make changes to the app or to charge for its services, at any time and for any reason. We will never charge you for the app or its services without making it very clear to you exactly what you’re paying for.
The OPO Wallet app stores and processes personal data that you have provided to us, in order to provide our Service. It’s your responsibility to keep your phone and access to the app secure. We therefore recommend that you do not jailbreak or root your phone, which is the process of removing software restrictions and limitations imposed by the official operating system of your device. It could make your phone vulnerable to malware/viruses/malicious programs, compromise your phone’s security features and it could mean that the OPO Wallet app won’t work properly or at all.
You should be aware that there are certain things that OPO Group Inc. will not take responsibility for. Certain functions of the app will require the app to have an active internet connection. The connection can be Wi-Fi, or provided by your mobile network provider, but OPO Group Inc. cannot take responsibility for the app not working at full functionality if you don’t have access to Wi-Fi, and you don’t have any of your data allowance left.
If you’re using the app outside of an area with Wi-Fi, you should remember that your terms of the agreement with your mobile network provider will still apply. As a result, you may be charged by your mobile provider for the cost of data for the duration of the connection while accessing the app, or other third party charges. In using the app, you’re accepting responsibility for any such charges, including roaming data charges if you use the app outside of your home territory (i.e. region or country) without turning off data roaming. If you are not the bill payer for the device on which you’re using the app, please be aware that we assume that you have received permission from the bill payer for using the app.
Along the same lines, OPO Group Inc. cannot always take responsibility for the way you use the app i.e. You need to make sure that your device stays charged – if it runs out of battery and you can’t turn it on to avail the Service, OPO Group Inc. cannot accept responsibility.
With respect to OPO Group Inc.’s responsibility for your use of the app, when you’re using the app, it’s important to bear in mind that although we endeavour to ensure that it is updated and correct at all times, we do rely on third parties to provide information to us so that we can make it available to you. OPO Group Inc. accepts no liability for any loss, direct or indirect, you experience as a result of relying wholly on this functionality of the app.
At some point, we may wish to update the app. The app is currently available on iOS – the requirements for the system(and for any additional systems we decide to extend the availability of the app to) may change, and you’ll need to download the updates if you want to keep using the app. OPO Group Inc. does not promise that it will always update the app so that it is relevant to you and/or works with the iOS version that you have installed on your device. However, you promise to always accept updates to the application when offered to you, We may also wish to stop providing the app, and may terminate use of it at any time without giving notice of termination to you. Unless we tell you otherwise, upon any termination, (a) the rights and licenses granted to you in these terms will end; (b) you must stop using the app, and (if needed) delete it from your device.
Changes to This Terms and Conditions
We may update our Terms and Conditions from time to time. Thus, you are advised to review this page periodically for any changes. We will notify you of any changes by posting the new Terms and Conditions on this page.
These terms and conditions are effective as of 2020-09-14.
Contact Us
If you have any questions or suggestions about our Terms and Conditions, do not hesitate to contact us at admin@opogroupinc.com.
OPO Privacy Policy
OPO Group Inc. built the OPO Wallet app as a Free app. This SERVICE is provided by OPO Group Inc. at no cost and is intended for use as is.
This page is used to inform visitors regarding our policies with the collection, use, and disclosure of Personal Information if anyone decided to use our Service.
If you choose to use our Service, then you agree to the collection and use of information in relation to this policy. The Personal Information that we collect is used for providing and improving the Service. We will not use or share your information with anyone except as described in this Privacy Policy.
The terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, which is accessible at OPO Wallet unless otherwise defined in this Privacy Policy.
Information Collection and Use
For a better experience, while using our Service, we may require you to provide us with certain personally identifiable information, including but not limited to Legal Name, Date of Birth, Personal Financial Information, Address, Phone, Email Address. The information that we request will be retained by us and used as described in this privacy policy.
Log Data
We want to inform you that whenever you use our Service, in a case of an error in the app we collect data and information (through third party products) on your phone called Log Data. This Log Data may include information such as your device Internet Protocol (“IP”) address, device name, operating system version, the configuration of the app when utilizing our Service, the time and date of your use of the Service, and other statistics.
Cookies
Cookies are files with a small amount of data that are commonly used as anonymous unique identifiers. These are sent to your browser from the websites that you visit and are stored on your device's internal memory.
This Service does not use these “cookies” explicitly. However, the app may use third party code and libraries that use“cookies” to collect information and improve their services. You have the option to either accept or refuse these cookies and know when a cookie is being sent to your device. If you choose to refuse our cookies, you may not be able to use some portions of this Service.
Service Providers
We may employ third-party companies and individuals due to the following reasons:
- To facilitate our Service
- To provide the Service on our behalf
- To perform Service-related services
- To assist us in analyzing how our Service is used
We want to inform users of this Service that these third parties have access to your Personal Information. The reason is to perform the tasks assigned to them on our behalf. However, they are obligated not to disclose or use the information for any other purpose.
Security
We value your trust in providing us your Personal Information, thus we are striving to use commercially acceptable means of protecting it. But remember that no method of transmission over the internet, or method of electronic storage is 100% secure and reliable, and we cannot guarantee its absolute security.
Links to Other Sites
This Service may contain links to other sites. If you click on a third-party link, you will be directed to that site. Note that these external sites are not operated by us. Therefore, we strongly advise you to review the Privacy Policy of these websites. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.
Children’s Privacy
These Services do not address anyone under the age of 13. We do not knowingly collect personally identifiable information from children under 13. In the case we discover that a child under 13 has provided us with personal information, we immediately delete this from our servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we will be able to do necessary actions.
Changes to This Privacy Policy
We may update our Privacy Policy from time to time. Thus, you are advised to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page.
This policy is effective as of 2020-09-14
Contact Us
If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us at info@opoline.com.
Set up your import files
Last updated: August 5, 2021
Whether OPO System is your first agency solution platform or you’re moving from another system, importing helps you create records and update your database. Import files are spreadsheets of data used to organize your business’ relationships and processes. Before you start importing, review the relevant OPO System terms and requirements for your import files.
Service Providers
All files being imported into OPO System must:
- Be a .xlsx, or .xls file.
- Have only one sheet.
- Contain fewer than 250,000 rows and 1,000 columns.
- Be smaller than 150MB.
- Include a header row in which each column header corresponds to a property in OPO System. You can confirm if a default property already exists to match your header or create a custom property prior to importing.
- Be UTF-8 encoded if foreign language characters are included.
Sample import files
The following files include the required column headers for each object type, as well as possible additional headers.
- Contacts sample spreadsheet: XLSX
- Policy Details sample spreadsheet: XLSX
FAQ
Professional:
What exactly does OPO do?
OPO is a financial platform connecting professionals to interested consumers to inquire for loans, Insurance Services, Tax Services and property investment opportunities.
What services do you provide?
On our platform you can find home loans, investment loans and investment opportunities, home/car Insurance and payroll tax services.
We will be adding more services in 2022.
How do I sign-up?
Very easy. Follow the join OPO button and you will be guided. In addition there are simple how to instructions in the footer of our website to guide you through for best experience.
Does it cost me to join?
No. It is Free to use.
Are you a Brokerage or a Lender?
None. We are a marketplace connecting consumers and professionals and investors.
Why do you need my professional information?
The platform acts as your personal portal so you are able process all of your business needs from the platform. We verify every professional’s license so that they are an official professional.
How do I connect to clients?
You are able to bring your own clients and utilize all of our tools and connect with all the consumers seeking your services on the platform.
Will my contacts be shared with other agents?
No. They have the choice to connect to other professionals like in the real world but we do not redistribute your contacts or any information you upload on our platform for that matter.
What if I have multiple Licenses?
You can resume business under one license (your main one).
How will you help me find new clients?
We will be kicking off marketing campaigns to invite consumers who are looking to get quotes, save money and alternative options in addition to connecting to their own agents. Get your profile ready now to be seen.
How do I become an OPO Partner?
Contact us via email by support@opogroupinc.com and we will happily add you to our list of funding partners
Consumers:
What exactly does OPO do?
OPO is a platform connecting consumers to financial professionals (even your own) to manage your current and future services, all in one single place.
What services do you provide?
On our platform you can find home loans, investment loans and investment opportunities, home/car Insurance and payroll tax services.
We will be adding more services in 2022.
How do I sign-up?
Our platform is currently on the iOS App Store and Google Play. Find us on your app store under OPO Wallet.
Does it cost me to join?
No. It is Free to use.
How do I connect to a professional here?
Easy. Download the app and connect with the professionals on our network or you can even invite your own agent/professional to join you on the app.
Are you a lender or an agency?
None. We are a marketplace connecting you to a representative that can help you with the appropriate service you are seeking.
Do you support a particular Bank/lender in particular?
We are independent and we have partnered with some of the best Mortgage companies to offer the best services and options for your needs.
Do I have to give out my personal information to agents before connecting?
You do not have to connect with anyone you do not desire.
What if I want a quote? Will I get a million calls and messages?
You may receive multiple options to select from, which is what you joined for.
Do I have to sign-up to multiple apps if I want to connect with an Insurance agent and a mortgage lender?
N/A
Is my information private?
Yes. The files you share are encrypted.
What if I am not interested with the offer the agent sends me. Can i start over with a different one?
Yes.
Am I obligated or under a contract if someone offers me a loan?
There are no contracts until you have accepted the offer.
Can I sign and complete everything on the platform or do I have to send forms off-line?
You can do everything directly from the app, down to closing and signing the documents.
Will you sell my personal information to 3rd party vendors?
No.
What states do you operate your loan services in?
We have licensed Loan Professionals nationally.
I received an email from my agent with a code. What is that?
The code they sent you gives you the ability to connect to the agent directly on the platform.
I didn’t sign up for anything. How did you get my name and email me?
The only way you would receive an invitation from us is that one of your agents or connections has invited you to use our platform.
Can I invite my friends to join the app?
We welcome you inviting all of your contacts.
What if I have more questions?
You can always contact us at support@opogroupinc.com
Join OPO Today!
Welcome to OPO the platform for users and agents. Select your role and signup