Last updated: November 24th, 2025

Privacy Policy

Opal Software US Inc. (“Opal,” “we,” “us,” or “our”) is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, share, and safeguard your information when you use our website, platform, products, and services (“Services”).If you have any questions about this Privacy Policy, please contact us at support@getopal.co.

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1. Information We Collect

We may collect the following categories of information when you use the Services:

1.1 Information You Provide 

Name, email address, phone number, business information
Personal details including social security number
Login credentials
Communications with our support team
Information you provide when connecting ad accounts or financial accounts

1.2 Automatically Collected Information 

Device data, IP address, browser type
Usage data, clicks, page views, referring links
Cookies, pixels, and similar technologies
Session recordings (excluding text you type)

1.3 Information from Third Parties  

We may receive information from:

Banking partners (e.g., First Internet Bank of Indiana)
Credit and risk partners (e.g., CapitalOS)
Ad platforms (e.g., Meta, Google, Tik Tok)
Analytics and fraud-prevention providers
Data enrichment and identity-verification services

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2. How We Use Your Information

We use your information to:

Operate, maintain, and improve the Services
Underwrite and manage credit eligibility (through partners)
Facilitate payments and transaction processing
Communicate with you about your account or support requests
Analyze usage trends and improve product performance
Detect, prevent, and investigate fraud or prohibited activity
Comply with legal, regulatory, and partner requirements
Provide marketing, onboarding, and product updates (you may opt out)

We may also create aggregated or de-identified data that cannot reasonably be used to identify you. This data may be used for product analytics and business insights.

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3. How We Share Your Information

We do not sell or rent your personal information. We may share information with:

3.1 Banking, Credit, and Payment Partners To provide the Opal Card and related services, we share information with:

First Internet Bank of Indiana
CapitalOS, Inc. or CapitalOS Financial Services LLC
Payment processors
Fraud-prevention and compliance vendors

These partners use your information only as needed to deliver regulated financial services.

3.2 Vendors and Service Providers Examples include:

Cloud hosting and infrastructure
Identity verification and fraud monitoring
Analytics and reporting tools
Customer support platforms
Advertising or marketing service providers

These providers must protect your information and may not use it for their own purposes.

3.3 Legal Requirements We may disclose information if required by:

Law, regulation, subpoena, or court order
Fraud, risk, or security investigation
Enforcement of our Terms of Service

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4. Cookies & Tracking Technologies

We and our partners use cookies, pixels, web beacons, and similar technologies to:

Authenticate sessions
Remember preferences
Measure usage and performance
Provide analytics
Deliver relevant advertising

You can manage cookies through your browser settings. Advertising opt-out tools are available through:

Opting out will not remove ads but may reduce personalization.

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5. Data Security

We use industry-standard security measures to protect your information, including: 

TLS encryption for all information in transit
Access controls and authentication
Vendor security assessments
Monitoring for suspicious activity

Only authorized personnel are permitted to access personal information, and violations of our privacy or security policies may result in disciplinary action.

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6. Data Retention

We retain information as long as: 

Required to provide the Services
Necessary to comply with legal and regulatory obligations
Needed to resolve disputes or enforce agreements
Required by our banking and credit partners

You may request deletion of certain personal information by contacting us, subject to legal or regulatory retention requirements.

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7. Your Choices

You may: 

Update your account information
Opt out of marketing emails
Manage cookie preferences
Request deletion of certain data (where applicable)

To make a request, contact support@getopal.co

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8. Third-Party Services & Integrations

The Services may integrate with APIs and platforms (e.g., Google Maps, Meta Ads, Google Ads). Your use of those platforms is governed by their respective privacy policies.

Session-recording tools may capture mouse movements, clicks, and scroll behavior, but do not capture input fields or sensitive data.

Some partners may infer identity across sites using hashed or encrypted identifiers. You may opt out of Retention.com tracking at: https://app.retention.com/optout

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9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Updated versions will be posted on this page with a revised “Last updated” date. Continued use of the Services indicates acceptance of any changes.

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10. Contact Us

For questions or requests related to this Privacy Policy, contact:  

‍Opal Software US Inc. 

Email: support@getopal.co