Our Commitment: At Orange Capy, protecting your personal and financial information is fundamental to our mission. We use bank-level 256-bit encryption, strict access controls, and transparent practices to ensure your data remains private and secure. We never sell your personal information to third parties.
1. Introduction
This Privacy Policy explains how Orange Capy (operated by Ryzend LLC, d.b.a. OrangeCapy) collects, uses, stores, and protects your personal information when you use our website at orangecapyusa.com, our mobile application, and any associated Orange Capy services (collectively, the "Services"). By accessing or using Orange Capy, you acknowledge that you have read, understood, and agree to the practices described in this policy.
2. Information We Collect
2.1 Information You Provide
When you create an Orange Capy account, apply for a cash advance, or contact our support team, we may collect:
- Identity Information: Full legal name, date of birth, and Social Security Number (last four digits only for verification).
- Contact Information: Email address, phone number, and mailing address.
- Financial Information: Bank account details (for funding and repayment), employment information, income frequency, and pay schedule.
- Application Data: Employment type, desired advance amount, and state of residence.
- Communications: Messages you send through our contact form, support chat, or email correspondence.
2.2 Information Collected Automatically
When you visit or use Orange Capy, we may automatically collect:
- Device Information: Browser type, operating system, device identifiers, and screen resolution.
- Usage Data: Pages visited, time spent on each page, click patterns, and referral sources.
- Network Data: IP address, approximate geographic location, and internet service provider.
- Cookies and Tracking Technologies: We use cookies, web beacons, and similar technologies to personalize your experience and analyze site performance.
2.3 Information from Third-Party Sources
To provide Orange Capy's cash advance services, we may receive information from:
- Banking Partners: Account verification data through secure banking APIs to confirm account ownership and deposit history.
- Identity Verification Providers: Data used to verify your identity and prevent fraud.
- Analytics Partners: Aggregated usage and performance data to improve the Orange Capy platform.
3. How We Use Your Information
Orange Capy uses the information we collect for the following purposes:
- Service Delivery: Processing cash advance requests, verifying eligibility, transferring funds, and managing repayments.
- Account Management: Creating and maintaining your Orange Capy account, authenticating logins, and providing customer support.
- Fraud Prevention: Detecting, investigating, and preventing fraudulent activity and unauthorized access.
- Legal Compliance: Meeting regulatory obligations under federal and state financial services laws.
- Communication: Sending transactional notifications (advance confirmations, repayment reminders) and, with your consent, promotional updates about new Orange Capy features.
- Service Improvement: Analyzing usage patterns to improve Orange Capy's platform, features, and user experience.
4. How We Share Your Information
Orange Capy does not sell your personal information. We may share your data only in the following limited circumstances:
- Service Providers: Trusted third-party vendors who assist with payment processing, identity verification, data hosting, and customer support — each bound by contractual confidentiality obligations.
- Banking Partners: Financial institutions necessary to facilitate fund transfers and repayments through your Orange Capy account.
- Legal Requirements: When required by law, regulation, legal process, or government request.
- Business Transfers: In connection with a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction, with continued privacy protections.
- Fraud Prevention: With law enforcement or fraud-prevention organizations when reasonably necessary to protect Orange Capy, our members, or the public from harm.
5. Data Security
Protecting your information is central to everything Orange Capy builds. Our security measures include:
- 256-Bit AES Encryption: All data transmitted between your device and Orange Capy's servers is encrypted using bank-level security protocols.
- Secure Infrastructure: Our servers are hosted in SOC 2 Type II certified data centers with 24/7 monitoring.
- Access Controls: Employee access to personal data is strictly limited to authorized personnel on a need-to-know basis.
- Regular Audits: We conduct periodic security assessments and vulnerability testing to identify and address potential risks.
- Multi-Factor Authentication: Orange Capy accounts support multi-factor authentication to prevent unauthorized logins.
6. Data Retention
Orange Capy retains your personal information for as long as your account is active or as needed to provide our services. After account closure, we may retain certain data for a period required by law (typically five to seven years for financial records) or as necessary to resolve disputes, enforce agreements, or comply with regulatory requirements. Anonymized and aggregated data may be retained indefinitely for analytical purposes.
7. Your Rights and Choices
Depending on your state of residence, you may have the following rights regarding your personal information held by Orange Capy:
- Access: Request a copy of the personal data we hold about you.
- Correction: Ask us to correct inaccurate or incomplete information.
- Deletion: Request that we delete your personal data, subject to legal retention requirements.
- Opt-Out of Marketing: Unsubscribe from promotional emails at any time via the link in any Orange Capy marketing email.
- Cookie Preferences: Manage your cookie settings through your browser controls.
- Data Portability: Where applicable, request your data in a portable, machine-readable format.
To exercise any of these rights, contact us at [email protected]. We will respond to verified requests within 30 days.
8. California Residents (CCPA)
If you are a California resident, the California Consumer Privacy Act (CCPA) provides additional rights, including the right to know what personal information Orange Capy collects and how it is used, the right to request deletion of your data, and the right to opt out of the sale of personal information. Orange Capy does not sell personal information as defined under the CCPA. For questions or to exercise your CCPA rights, contact [email protected].
9. Children's Privacy
Orange Capy services are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that a child under 18 has provided us with personal data, we will take steps to delete that information promptly.
10. Third-Party Links
The Orange Capy website may contain links to third-party websites or services. We are not responsible for the privacy practices of these external sites. We encourage you to review the privacy policies of any third-party services before providing them with your personal information.
11. Changes to This Policy
Orange Capy may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. We will notify you of material changes by posting the updated policy on this page with a revised "Last Updated" date. Continued use of Orange Capy's services after changes take effect constitutes acceptance of the revised policy.
12. Contact Orange Capy
If you have questions, concerns, or requests regarding this Privacy Policy or how Orange Capy handles your personal information, please contact us:
- Email: [email protected]
- Mailing Address: Orange Capy (Ryzend LLC), Attn: Privacy Team, United States
- Support Hours: Monday – Friday, 9:00 AM – 6:00 PM ET