Disclaimer

Please read this Disclaimer carefully before using this Website or submitting any information.

WHAT OORAA.ORG / OORAA, INC. DOES NOT DO

To eliminate any possibility of confusion, OORAA.ORG / OORAA, INC. explicitly does not do any of the following:

• A. We DO NOT settle, negotiate, reduce, restructure, or manage your debt in any way.
• B. We DO NOT process, review, approve, deny, or handle any applications for debt settlement, debt relief, or any financial service.
• C. We DO NOT enroll any person into any debt settlement program, debt management plan, debt relief plan, or any financial service program.
• D. We DO NOT act as a debt settlement company, debt relief company, debt negotiation firm, credit counseling agency, financial advisor, or attorney.
• E. We DO NOT provide legal advice, financial advice, tax advice, credit advice, or any professional advice of any kind.
• F. We DO NOT guarantee any outcome, result, debt reduction, settlement amount, savings, or financial benefit of any kind.
• G. We DO NOT contact your creditors, lenders, banks, or collection agencies on your behalf.
• H. We DO NOT have any authority, express or implied, to act on your behalf in any financial transaction or negotiation.
• I. We DO NOT make any representations or warranties about the services, qualifications, licensing, performance, or results of any third-party Service Provider to whom your information may be transferred.

WHAT OORAA.ORG / OORAA, INC. ACTUALLY DOES

OORAA.ORG / OORAA, INC. performs one function: We generate and sell consumer leads.

When you submit information through this Website, you are providing that information to OORAA.ORG / OORAA, INC. for the sole purpose of being connected with one or more third-party Service Providers. OORAA.ORG / OORAA, INC. will transfer (sell, assign, distribute, or otherwise deliver) your submitted contact information to one or more Service Providers who may then contact you directly.

Once your information is transferred to a Service Provider, OORAA.ORG / OORAA, INC.'s role is complete. OORAA.ORG / OORAA, INC. is a pass-through entity, a proxy, and an intermediary for the sole purpose of lead transfer. We hand over leads. That is all.

DATA & INFORMATION PRACTICES

OORAA.ORG / OORAA, INC. takes the following position with respect to your data:

• A. PUBLIC INFORMATION ONLY: OORAA.ORG / OORAA, INC. only collects and retains publicly available information such as your name, email address, phone number, and general geographic location (collectively, "Contact Information").
• B. NO PRIVATE FINANCIAL DATA: OORAA.ORG / OORAA, INC. does NOT collect, store, retain, access, process, or maintain any private financial information including but not limited to: your total debt amount, individual debt balances, account numbers, Social Security number, bank account information, credit card numbers, credit score, credit report, income details, tax information, or any other sensitive personal financial data.
• C. NO FINANCIAL RECORDS: OORAA.ORG / OORAA, INC. does not create, maintain, or have access to any financial records, debt portfolios, creditor information, or account-level data belonging to any consumer.
• D. DATA TRANSFER: The Contact Information you provide is transferred to third-party Service Providers. OORAA.ORG / OORAA, INC. is not responsible for how those Service Providers collect, store, use, or protect your information after it has been transferred.

NO CLIENT, FIDUCIARY, OR PROFESSIONAL RELATIONSHIP

By using this Website or submitting any information, you understand and agree that:

• A. No client-provider relationship, attorney-client relationship, fiduciary relationship, financial advisor relationship, or any professional relationship of any kind is created between you and OORAA.ORG / OORAA, INC.
• B. OORAA.ORG / OORAA, INC. owes you no fiduciary duty, duty of care, duty of loyalty, or any professional obligation whatsoever.
• C. OORAA.ORG / OORAA, INC. is not your agent, representative, advocate, or advisor.
• D. Your sole relationship with OORAA.ORG / OORAA, INC. is that of a website visitor who has voluntarily submitted Contact Information for the purpose of being connected with third-party Service Providers.

THIRD-PARTY SERVICE PROVIDERS

OORAA.ORG / OORAA, INC. does not own, operate, control, employ, manage, supervise, endorse, or guarantee any third-party Service Provider.

Any Service Provider who contacts you after receiving your information from OORAA.ORG / OORAA, INC. is an independent third party. OORAA.ORG / OORAA, INC. has no control over their services, fees, terms, practices, performance, licensing, legal compliance, or conduct.

You are solely responsible for conducting your own due diligence before engaging with any Service Provider. This includes verifying their licensing, accreditation, reviews, fee structure, terms of service, and legal standing in your state of residence.

OORAA.ORG / OORAA, INC. is not liable for any act, omission, misrepresentation, failure, negligence, fraud, or any other conduct of any third-party Service Provider.

NO WARRANTIES OR GUARANTEES

ALL CONTENT ON THIS WEBSITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED.

OORAA.ORG / OORAA, INC. makes no warranty, representation, or guarantee regarding the accuracy, completeness, reliability, timeliness, suitability, or availability of any information, content, or materials on this Website.

OORAA.ORG / OORAA, INC. makes no warranty that you will be contacted by any Service Provider, that any Service Provider will accept you as a client, that you will achieve any specific result, or that any debt settlement or debt relief outcome will occur.

OORAA.ORG / OORAA, INC. expressly disclaims all implied warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

LIMITATION OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW IN ALL 50 UNITED STATES AND ALL U.S. TERRITORIES:

OORAA.ORG / OORAA, INC., its owners, officers, directors, employees, agents, affiliates, successors, and assigns shall NOT be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages of any kind, arising from or related to your use of this Website, your submission of information, or any actions taken by any third-party Service Provider.

This limitation of liability applies regardless of the legal theory (contract, tort, negligence, strict liability, or otherwise) and regardless of whether OORAA.ORG / OORAA, INC. has been advised of the possibility of such damages.

In no event shall OORAA.ORG / OORAA, INC.'s total aggregate liability to you for any and all claims exceed ZERO DOLLARS ($0.00).

INDEMNIFICATION

By using this Website, you agree to indemnify, defend, and hold harmless OORAA.ORG / OORAA, INC., its owners, officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: your use of this Website; your submission of any information; your interaction with any third-party Service Provider; your violation of any applicable law or regulation; or your violation of any term of this Disclaimer.

CONSENT TO CONTACT

By submitting your Contact Information through this Website, you expressly consent to be contacted by OORAA.ORG / OORAA, INC. and/or one or more third-party Service Providers via telephone (including autodialed or prerecorded calls), text message (SMS/MMS), email, and/or direct mail at the contact information you provide, even if your number is on any Do-Not-Call list. You understand that consent is not a condition of any purchase. Standard message and data rates may apply.

GOVERNING LAW & DISPUTE RESOLUTION

This Disclaimer shall be governed by and construed in accordance with federal law and the laws of the state in which OORAA.ORG / OORAA, INC.'s principal place of business is located, without regard to conflict of law principles.

Any dispute, claim, or controversy arising out of or relating to this Disclaimer or the use of this Website shall be resolved exclusively through binding individual arbitration under the rules of the American Arbitration Association. You agree to waive any right to participate in a class action lawsuit or class-wide arbitration.

If any provision of this Disclaimer is found to be invalid, illegal, or unenforceable by any court of competent jurisdiction, such invalidity shall not affect the remaining provisions, which shall remain in full force and effect (Severability Clause).

STATE-SPECIFIC COMPLIANCE NOTICE

This Disclaimer is intended to comply with all applicable federal and state laws across all 50 United States and U.S. territories. To the extent that any state law requires additional disclosures or prohibits any provision contained herein, such state-specific requirements are incorporated by reference and this Disclaimer shall be interpreted in the most permissive manner allowed by applicable law.

OORAA.ORG / OORAA, INC. is not registered as a debt settlement company, debt management company, credit services organization, or any similar regulated entity in any U.S. state because OORAA.ORG / OORAA, INC. does not provide any such services. OORAA.ORG / OORAA, INC. is a marketing and lead generation company only.

MODIFICATIONS TO THIS DISCLAIMER

OORAA.ORG / OORAA, INC. reserves the right to modify, update, or amend this Disclaimer at any time without prior notice. Any changes become effective immediately upon posting to this Website. Your continued use of this Website after any modification constitutes your acceptance of the updated Disclaimer.

PLAIN LANGUAGE SUMMARY

In the simplest possible terms:

OORAA.ORG / OORAA, INC. is a marketing company. We are the billboard, not the doctor. We advertise. We connect you to companies that provide debt relief services. We are not those companies. We do not settle your debt. We do not process your application. We do not enroll you in anything. We do not know your debt amount. We do not store your financial information. We collect your name and contact details and pass them to companies that can help you. After that, our job is done. Any company that contacts you is not us. They are a separate business. You must do your own research before working with them. We are not responsible for what they do or do not do.

That is all OORAA.ORG / OORAA, INC. is. That is all OORAA.ORG / OORAA, INC. does.

Collection Of Personal Information

Information collected directly from you:

We may collect personal information directly from you, for example through a web form, during an online or in-person registration, while making a reservation, while setting up an account with us, when you contact us for customer support, or at checkout. Personal information we collect directly from you may include first and last name, address, email address, and phone number.

Information collected from your device:

Our website may use tracking technologies such as cookies, web beacons, pixels, and other similar technologies to automatically collect certain information from your device, including for example your IP address, browser and operating system information, geographic location, referring website address, and other information about how you interact with the website. Our website may also use cookies to personalize your experience and enable certain features such as keeping track of items you put in your shopping cart. You may disable cookies in your web browser. More information about cookies is available at http://www.allaboutcookies.org. Our email campaigns may also use tracking technologies such as web beacons, pixels and other similar technologies to automatically collect certain information such as your IP address, browser type and version, and email engagement statistics.

Information collected from our advertising partners:

We may collect personal information about you from our advertising partners. Personal information we collect from our advertising partners may include your demographic information, shopping history, and geographic location.

USE OF PERSONAL INFORMATION

We may collect first and last name, address, email address, and phone numbers that will be used towards the program you may enroll into.

We use information collected directly from you to provide you with our products and services, customer service and support, and other relevant information. We may also use this information to market our products and services to you, including by email and text message subject to your consent.

We use information collected automatically from your device to provide our website to you, to optimize our website, and to assist with our advertising and marketing efforts.

We may use information collected from our advertising partners to market our products and services to you.

We may use third-party service providers to assist us with providing and marketing our products and services to you and we may share your information with such third parties for these limited purposes.

We use Google analytics to help us understand how visitors interact with our website. https://accounts.google.com uses and processes your information in accordance with its privacy policy.

We may also share your personal information if necessary to comply with applicable laws and regulations, to respond to a subpoena, search warrant or other lawful request for information we receive, or to otherwise protect our rights. Information may be shared with third parties/affiliates for marketing/promotional purposes. Such information can be used by us or our advertising partner.

We may also share your personal information if necessary to comply with applicable laws and regulations, to respond to a subpoena, search warrant or other lawful request for information we receive, or to otherwise protect our rights.

Email And Text Message Communications

If you wish to unsubscribe from our email campaigns, please click on the Unsubscribe link at the bottom of any marketing email sent from us.

If you wish to stop receiving text messages from us, reply STOP, OPT-OUT, or UNSUBSCRIBE to any text message sent from us. Please text us one of the desired option from your mobile to be honored.

You may have the right to request access to the personal information we hold about you, to port it to a new service, or to request that your personal information be corrected or deleted. To exercise any of these rights, please contact us at [email protected]

Changes To This Privacy Policy

We may update this Privacy Policy at any time. Please review it frequently.

Contact Information

If you have any questions about this policy or our privacy practices, please contact us.