Privacy Policy

Effective Date: January 2, 2024

Please review this Privacy Policy before using any of our services that link to this Privacy Policy. By using our services, you consent to the terms of this Privacy Policy.
We are committed to protecting your privacy. This Privacy Policy describes the types of information we collect about you, how your information may be used and when it may be disclosed, how your information is protected, and how you can control the use and disclosure of your information.

1. Scope. This privacy policy ("Privacy Policy") describes OPI Financial Services Inc’s, DBA, ("OPI”, "we", "our" or "us") information practices in connection with the website (together with its subdomains, features, digital and interactive services available thereon, the "Site").
This Privacy Policy applies to personally identifying information (“PII”) and other information collected about you and your devices. PII may include, for example, your name, email address, telephone number, and demographic information.
Our websites may contain links to third-party websites which are provided for your information and convenience. Please note that unless otherwise indicated, this Privacy Policy does not cover any information that may be collected through any third party website. OPI is not responsible for any content, terms and conditions or the privacy policies of any third-party websites. The entities that advertise and/or place banner ads on our websites, including but not limited to third party advertisers, are independent third parties and are not affiliated with OPI.

2. Collected Information. Information you provide directly to us. You may provide different types of information to us when you access content, post comments, contact us, or otherwise interact with our websites, mobile sites or other digital and interactive services that link to this privacy policy, including:

  • Contact information such as name, email address, address, phone number, and mobile number;
  • When you post a comment, information you provide such as your user name, email address, geographic location, and the content of your comment.

Information we collect automatically. We may collect certain information automatically, including through the use of cookies (see below), web beacons, and other technologies. This information may include the following:

  • Your browser and mobile device type, operating system and name of your Internet service provider;
  • Web pages you visit;
  • How long you stay on a web page;
  • Geo-location information;
  • Information about your interactions with email messages, such as whether the messages were opened and the links clicked in those emails; and
  • Standard server log information.

We also use log files. Log files track anonymous user information including, but not limited to internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks. This information is tracked in order to analyze trends, administer our websites, track users’ movements in the aggregate and gather broad demographic information for aggregate use. The information tracked via log files is not linked to personally identifiable information except for IP addresses and source URL.
Cookies. Our websites use a “cookie” to assign a unique identifier to your computer. The cookies we use are persistent files that your web browser places on your computer’s hard drive. Cookies may be used to help save information on past activities and other preferences, so that you are not required to reenter information each time that you visit our websites, and to deliver content specific to your interests.
You may stop or restrict cookies and pixel tags on your computer or purge cookies from your browser by adjusting your web browser preferences.
Obtaining information from other sources. We may collect other PII from other sources, including when you use social media integrated with our services (for example, on our pages on Facebook, Google Plus or Twitter) and when you were to purchase products and services from third party services.

3. Information Use. Information we collect is used for a variety of purposes. We may use this information internally or for other reasons. Any personal information that you supply to us remains your personal property. However, by submitting your information to us, you grant OPI and any third-party affiliates or subsidiaries of OPI the right to use that information for marketing purposes, and agree to receive email marketing from our website.

4. Information Disclosure. User Comments. If you submit comments, we may share your comments with other websites or provide links to your submissions from other websites and we may share your information with third parties.
Authorized Third-Party Service Providers. We may share your information with third party service providers who help us with specialized services, such as e-mail dissemination, mobile messaging, website hosting, monitoring of user reviews and ratings, digital publishing, and analytics. We provide these companies only with the information they need to perform their services.
Business Transfers. We may share your information in connection with a substantial corporate transaction, such as the sale of one or more of our businesses, a merger, the creation of a separate business to provide certain of our products and services, the sale or pledge of our assets, or in the unlikely event of bankruptcy, insolvency or receivership. Information about our customers, donors, and other users of our websites and other products and services may also be shared in connection with a transaction in which OPI or one of our affiliates, is seeking financing, investment, support, or funding.
If we engage in any of these types of transactions, your information will be subject to our privacy policy in effect at the time of the transfer of that information.
Legal Requirements. We may disclose your information if required by law, such as to comply with a court order or subpoena.
Protect our Websites and Users. We may also disclose your information to investigate, prevent or take action regarding suspected illegal activities or any violation of the User Agreement or to protect and defend the legal rights and safety of our websites and our employees, agents and contractors (including to enforce our agreements) or in connection with any safety or security concerns. Moreover, you hereby consent to the disclosure of any record or communication to any third party when OPI, in its sole discretion, determines the disclosure to be appropriate including, without limitation, sharing your email address with other third parties for suppression purposes in compliance with the provisions of the CAN-SPAM Act of 2003, as amended from time-to-time.

5. Opting out. Opting out online: You can opt out or unsubscribe to a newsletter or other email list at any time by following the instructions at the end of the newsletters or emails you receive. Please allow five to ten business days for changes to take effect.
Cookies: We or our service providers may collect tracking information through cookies. You can opt out of accepting cookies or disable them from your browser. The Help function on most browsers contains information on how you can set your browser to notify you before accepting cookies or can disable them entirely. If you opt out of cookies, you will not be able to take advantage of various features of our websites that are available to other users. For example, we may use cookies to recognize you by name when you return to this site so you don’t have to login again and provide your password.

6. Information Protection. We believe we use reasonable precautions to keep the Personal Information you disclose to us secure. However, we cannot guarantee the avoidance of a breach and we are not responsible for any breach of security or for the actions of any third parties. You are ultimately responsible for the security of your email address.

7. 3rd Party Sites and Services. This Privacy Policy does not cover the practices of third parties, including those that may disclose information to us. We recommend that you review their policies before you visit those sites. We encourage you to review the privacy policy of any company before submitting your personal information. We work with third parties, such as ad networks, analytics companies and social networking platforms, and they may collect information about your online activities over time and across our sites and other online services.

8. Privacy Policy Changes. We reserve the right to revise this Privacy Policy to reflect changes in our practices and service offerings. If we modify our Privacy Policy, we will update the "Effective Date" posted at the top of this webpage. By using our websites after the effective date of such revision, you are deemed to consent to our then-current privacy policy with respect to any information collected after such effective date, provided that we will obtain your affirmative consent where legally required.
We urge you to return to this web page to review this Privacy Policy regularly to remain aware of the terms and conditions that apply to you.

9. Your California Privacy Rights. In accordance with the California Online Privacy Protection Act, we may collect Personal Information about your online activities when you use the Services. While we give our users many avenues to opt out of providing Personal Information, we do not respond to Web browsers’ “do not track” signals. California’s “Shine the Light” law, Civil Code Section 1798.83, permits our users who are California residents to periodically request and obtain certain information about any Personal Information disclosed to third parties for direct marketing purposes. If you are a California resident and wish to make such a request, please submit your request in writing to

10. Privacy Protection for Children. The Services are not directed to children under the age of 13 and such children are not permitted to use the Services. If we discover we have received any “personal information” (as defined under the Children’s Online Privacy Protection Act) from a child under the age of 13 in violation of this Policy, we will take reasonable steps to delete that information as quickly as possible. If you believe we have any information from or about anyone under the age of 13, please contact us at

12. Questions regarding this Privacy Policy. If you have any questions or concerns about this Privacy Policy or would like a written copy, please contact us at

13. Disputes. Any disputes regarding this Privacy Policy are subject to our Terms and Conditions and will be governed by the laws of the Province of Quebec and the Federal laws of Canada, applicable to agreements made and performed in Quebec.

14. English Language. It is the express wish of the parties that this Agreement and all related documents, including notices and other communications, be drawn up in the English language only. Il est la volonté expresse des parties que cette convention et tous les documents s’y rattachant, y compris les avis et les autres communications, soient rédigés et signés en anglais seulement.”