 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.After consumers make a purchase at the designated retail location, the savings appeared are credited directly to their bank, credit card or PayPal account.