Op4G (“Opinions4Good“, “Health Insights“, “OpinionPlus“) is a market research firm and research panel operator located in Portsmouth, NH.

These Terms and Conditions (“Terms”) govern and apply to your use of Op4G’s research panels (“Panels”,) websites (“Websites”,) and our mobile and web applications (“Platform”.) These Terms also govern all research activities hosted by Op4G, as well as rewards eligibility and the processing of any reward payment or incentive (collectively, our “Services”.)

By registering for, accessing, or participating in our Services, you must explicitly agree to these Terms and Conditions. If you object to any changes to the terms, your only remedy is to discontinue your use of the site and participation in any survey.

Eligibility

To be eligible for Op4G’s Panels and Services, you must meet the following qualifications:

• At least 17 years of age
• A current resident of: United States, Canada, United Kingdom, France, Germany, Spain, Italy, or Australia

Op4G can deny access to our Services to anyone, at any time, without notice, for any reason or no reason, and without liability for suspension or termination.

Use of Services

Our Services are for personal, non-commercial use. You may use the Services only when and as made available by Op4G. By submitting your registration, you consent to Op4G storing and using this information to match and deliver web surveys that we’ve determined you are likely to be eligible for, based on the data you provide.

Participation in our Services is voluntary. Consent can be withdrawn at any time – see the Opt Out Policy section below for more information. For more detailed information on your rights as a panelist, see our Privacy Policy.

Registration

You agree to maintain and update the personal data we use to provide you with our Services. This includes, but is not limited to:

• Mailing address
• Email address
• Phone number
• Location
• PayPal Account Data

You may access this data within the Op4G Platform, or contact us at compliance@op4g.com to request a change.

Please do not disclose your credentials to anyone. Op4G is not liable for any unauthorized use of your account, which includes unauthorized use of your email address and password.

Benefits of Membership

Membership is free for all qualified applicants.  Op4G awards panel currency for the completion of web surveys administered via our Services.   Once a panelist exceeds $10 in panel currency, they are eligible for a PayPal payment equal to the value of their panel currency.   Payment is made the following month, after a 30 day processing period.   For reference, the anticipated payment schedule is:

Reach $10.00+ Between:	→	Your Payout Date is:	Reach $10.00+ Between:	→	Your Payout Date is:
January 1st – January 31st	→	March 1st	July 1st – July 31st	→	September 1st
February 1st – February 28th	→	April 1st	August 1st – August 31st	→	October 1st
March 1st – March 31st	→	May 1st	September 1st – September 30th	→	November 1st
April 1st – April 30th	→	June 1st	October 1st – October 31st	→	December 1st
May 1st – May 31st	→	July 1st	November 1st – November 30th	→	January 1st (of new year)
June 1st – June 30th	→	August 1st	December 1st – December 31st	→	February 1st (of new year)
Payments may be processed before the listed payout date at the discretion of Op4G.   Payments falling on holidays may be subject to delays.

Your panel account balance is a rewards system issued by Op4G. All rewards are in USD and cannot be bartered, sold or transferred.

Suspended and Inactive Accounts

Your account is classified as Suspended in the following scenarios:

• There are no login attempts or survey activity for six (6) months,
• Your email is returned as undeliverable when you are sent invitations,
• Your account is flagged and requires verification of your identity,
• You request the account be closed but not deleted.

Suspended accounts are disabled, but can be re-enabled at the request of the panelist.   If the account is not reopened within one year, all personal information and accrued reward balance will be deleted.

Non-Transferability

Your account must be bound to a single, unique individual. You cannot transfer this account to another individual and cannot share or delegate research opportunities or invitations to a third party unless instructed to do so within the invitation.

Identity Verification

At our discretion, we may require you to verify your identity, age, or country of residence as part of our quality control efforts. Your access to our Services and/or processing of payments may be suspended during the verification process.

Unauthorized Uses

As a member, you acknowledge and agree to the following restrictions:

• You will not use scripted actions, spiders, robots, or other automation technologies to join our Panels or interact with our Services;
• You will not register for, access, or maintain more than one (1) unique account in a single Panel;
• You will not submit pornographic, threatening, libelous, racist, illegal or otherwise objectionable material or content while partaking in our Services or corresponding with Op4G staff;
• You will not take steps to mask, obscure or impersonate any person or entity while accessing our Platform or Services;
• You will not use another member’s account, without authorization, or create an account with a false identity;
• You will not interfere or disrupt networks connected to the Platform, Services or Websites;
• You will not use the Platform or Services to send any materials to persons under 18 years of age;
• You will not use Restricted Content in violation or breach of these Terms;
• You will comply with all laws, rules and regulations regarding transmission of technical data exported from the United States.

Failure to comply with these Terms and our Privacy Policy will result in the forfeiture of your account balance and termination of membership.  Op4G shall be the sole determiner in cases of unauthorized use, suspected abuse, fraud, or violation of our Terms, and our decisions are final and binding.

Restricted Content and Confidentiality

As a panelist, you may come in contact with or be asked to consider non-public, confidential, proprietary, or trade secret information or material provided by Op4G and/or our clients (collectively, “Restricted Content”).
These materials, including but not limited to copyrights, trademarks, patents, and the right to apply for registration anywhere in the world, are the sole and exclusive property of Op4G and its partners, and all intellectual property rights and titles are expressly reserved.

Op4G requires your confidentiality and secrecy of all Restricted Content, and your agreement not to modify, copy, distribute, reproduce, or reverse engineer Restricted Content without our explicit consent.

Unauthorized use of Restricted Content is potentially subject to legal action if traced back to the offending party. You are hereby informed and acknowledge that We will fully cooperate with all third party requests for disclosures (including but not limited to the disclosure of Your identity) related to claims that You have used Restricted Content in violation of these Terms which We deem are legitimate.

Opt Out Policy and Withdrawing Consent

Your participation in all Panels is voluntary and contingent upon your explicit consent. There is no obligation or requirement on your part.

To opt out or withdraw consent, you can log into our Platform and select the “Delete my Account” option, or contact compliance@op4g.com and request your account be closed. Please note that we do not process partial or closing payments and your accrued account balance is forfeit upon termination of your membership.

Limitation of Liability

In no event, shall Op4G be liable to any Member or third party for direct, punitive, special or consequential damages of lost data or profits as a result of or in any way connected to the Panel membership, or our verification and payment process, whether liability is asserted in contract or tort, and even if Op4G has been specifically advised concerning the possibility of such damages. The aggregate liability for any claims or damages arising out of or related to these Terms and Conditions shall not exceed the amounts paid or payable to a Member in the six (6) month period immediately preceding the event which gave rise to the claim.