The company faces risks related to suppliers, vendors, payment processors, and other third parties who access confidential information through contractual agreements. Information security risks may arise from interactions with bank partnerships and third-party technology infrastructures. The company cannot guarantee that its systems or those of third parties have not been breached or contain exploitable vulnerabilities. Security weaknesses may result from actions by employees, contractors, vendors, business partners, or malicious third parties. Actual or perceived security compromises can disrupt operations, damage reputation, reduce borrower confidence, and lead to legal or regulatory consequences. The company recognizes the evolving nature of cyber threats and the challenges in anticipating and preventing them. Failures to meet privacy, confidentiality, or cybersecurity obligations may result in investigations, fines, litigation, or loss of trust. Even perceptions of inadequate security can adversely affect reputation and member retention. Detecting security incidents can be difficult, and delays in detection may increase harm. The company incurs significant costs to detect and prevent security breaches and related incidents.
Oportun Financial's Comment on Supply Chain
The company faces risks related to suppliers, vendors, payment processors, and other third parties who access confidential information through contractual agreements. Information security risks may arise from interactions with bank partnerships and third-party technology infrastructures. The company cannot guarantee that its systems or those of third parties have not been breached or contain exploitable vulnerabilities. Security weaknesses may result from actions by employees, contractors, vendors, business partners, or malicious third parties. Actual or perceived security compromises can disrupt operations, damage reputation, reduce borrower confidence, and lead to legal or regulatory consequences. The company recognizes the evolving nature of cyber threats and the challenges in anticipating and preventing them. Failures to meet privacy, confidentiality, or cybersecurity obligations may result in investigations, fines, litigation, or loss of trust. Even perceptions of inadequate security can adversely affect reputation and member retention. Detecting security incidents can be difficult, and delays in detection may increase harm. The company incurs significant costs to detect and prevent security breaches and related incidents.
Sources:
Oportun Financial Corporation's official press releases and regulatory filings; CSIMarket.com's supply-chain research; and the financial filings and press releases of other companies cited in this report.
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