 CLOs have been implemented by American Express and Groupon and CLO technology has been developed by companies such as Strands, Meniga, Smart Engine, Cartera Commerce, Womply, Cardlytics, Linkable Networks, Birdback, Clovr Media, and Offermatic.In order to receive and use CLOs, consumers must willingly opt into a CLO program and provide their credit/debit card information.When consumers see relevant CLO-enabled advertisements and product offers while browsing online, using a mobile device, watching TV, reading a newspaper or magazine or listening to the radio they can click, text or scan a QR code to link the CLO-enabled ad directly to their credit/debit card.