Oxygen Funding's privacy policy - a commitment to your privacy.
At Oxygen Funding, Inc. ("OFI") our most important asset is our relationship with you. We are honored that you have entrusted us with your financial affairs, and we are committed to safeguarding the privacy of information we maintain about you. Establishing and adhering to an effective privacy policy is an important part of that dedication.
Our privacy policy applies to all clients with whom we have a relationship and is also extended to each of our former clients.
Your Privacy Is Not for Sale
Simply put, we do not and will not sell your personal information to anyone, for any reason, at any time.
How We Collect Information About You
We collect personal information about you in a number of ways.
  • Application and approval information.
    We collect information from you whenever you interact with any of the OFI systems. OFI systems include inquiry, application, and approval processes which utilize the internet, faxing, and the phone. We may collect information from business and consumer reporting agencies to verify the information supplied to us by you or your customers. We may also collect information about you from your customers, references you have provided to us, and from other businesses.
  • Transaction and experience information.
    Once you have opened an account with us, we collect and maintain personal information about your account activity, including your transactions, updated information from business and consumer reporting agencies, and other information resulting from interactions with your customers.
  • Third-party information providers.
    We may collect information about you or your customers from information services, business reporting agencies and consumer reporting agencies to verify identities, business and financial histories, legal histories, and general creditworthiness.
  • Website usage.
    When you visit our website, our computer may use devices known as "cookies," graphic interchange format files (GIFs), or other similar Web tools to enhance your Web experience. These tools enable us to recognize you when you return to our site, maintain your Web session while you browse, as well as help us provide you with a better, more personalized experience with OFI.
    Cookies
    Cookies enable us to understand better how you and others use OFI's online channels. They allow us to collect information about where your browser goes on our Web sites. This assists us in understanding your preferences and improving our Web site. For example, the information we obtain from cookies or GIFs (Graphical Interchange Format) helps us understand whether our customers use certain Web features and how to improve navigation. We also may use information gathered as the result of GIFs or cookies to target emails or Web messages. Knowing where your browser has been on our website helps us present useful information and offers to you. We do not sell this or any other information about you to other websites, merchants or financial institutions. Unless you have affirmatively consented, we do not provide any personally identifiable information about you to anyone else for their marketing purposes.
    Cookies come in two flavors: persistent and session-based.
  • Persistent cookies remain on your computer after you've closed your browser or turned off your computer. They include a unique identifier for your browser that only OFI can read and use, and that tells us you are a OFI customer or prior OFI Web site visitor. We are especially careful about the security and confidentiality of the information we send through persistent cookies. For example, we do not store account numbers or passwords in persistent cookies.
  • Session cookies exist only during an online session with OFI. They disappear from your computer when you close your browser software or turn off your computer. Session cookies allow you to conduct transactions or request your own personal or account information on our Web site. They contain encrypted or encoded information about your account(s), and/or identifying information that you have previously provided to us.
  • How We Share Information About You Outside OFI
    We provide access to information about you to outside companies and other third parties in certain limited circumstances, including:
  • to help us process transactions for your account;
  • when we use another company to provide services for us, such as wiring money or mailing documents
  • when we believe that disclosure is required or permitted under law. For example, we may be required to disclose personal information to cooperate with regulatory or law enforcement authorities, to resolve consumer disputes, to perform credit/authentication checks, or for risk control;
  • when we enter into a joint marketing agreement with another financial institution in order to provide you with a OFI branded financial product or service. We only make such agreements with companies that we believe can help us provide a financial product or service that will benefit you.
  • when we report limited credit history information about you or your customers under contractually defined circumstances with commercial and personal credit reporting agencies.
  • State Laws
    We will comply with state laws that apply to the disclosure or use of information about you.
    Safeguarding Your Information, Maintaining Your Trust
    We take precautions to ensure the information we collect about you is protected and is accessed only by authorized individuals or organizations.
    We restrict access to personal information by our employees and agents. Our employees are trained about privacy and are required to safeguard personal information.
    We maintain physical, electronic and procedural safeguards to protect personal information.
    Teaming Up Against Identity Theft
    Identity theft is a serious concern to all of us. Safeguarding information to help protect you from identity theft is our priority. OFI takes steps to protect you from identity theft by:
  • utilizing client identification and authentication procedures before initiating transactions;
  • ensuring our employees are trained to safeguard personal information about you.
  • Greater Accuracy Means Better Protection
    We are committed to keeping accurate, up-to-date records to help ensure the integrity of the information we maintain about you. If you identify an inaccuracy in this information, or if you need to make a change to it, please contact us promptly by calling 949-305-9300.
    A Commitment to Keeping You Informed
    We will provide you with advance notice of important changes to our information-sharing practices.
    Contact Us with Questions
    If you have any questions or concerns, please contact us by email at Privacy@oxygenfunding.com or call us at 949-305-9300.