Privacy Policy

Last Updated: February 11, 2026

At OrangePay.AI ("OrangePay", "we", "us", or "our"), we are committed to protecting your privacy and ensuring the security of your personal and financial information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and our services.

1. Information We Collect

We collect information that you provide directly to us, as well as information generated through your use of the app.

Personal Identification: Name, email address, phone number, date of birth, and home address.

KYC Information: Government-issued identification (NIN, BVN, Driver's License), facial images for liveness checks, and other documents required by regulatory authorities.

Financial Information: Bank account numbers, transaction history, spending patterns, and balance information.

Device Information: IP address, device type, operating system, unique device identifiers, and mobile network information.

2. App Permissions

To provide full functionality, our app requests the following permissions:

Camera: Used for KYC verification (facial recognition and document scanning) and scanning QR codes for PayCircles.
Photo Library: Used to allow you to upload a profile picture and KYC documents from your gallery.
NFC: Used to detect and program compatible NFC tags for payment actions.
Notifications: Used to send you real-time alerts about transactions, account security, and AI insights.

3. How We Use Your Information

We use the collected data for various purposes, including:

Providing and maintaining our services, including processing transactions.
Verifying your identity and complying with Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations.
Personalizing your experience with AI-driven financial insights and automation.
Communicating with you about account updates, security alerts, and support.
Detecting, preventing, and addressing fraud or security issues.

4. Sharing Your Information

We do not sell your personal data. We may share your information with:

Service Providers: Third-party vendors who perform services on our behalf (e.g., identity verification, payment processing, cloud hosting).
Regulatory Bodies: When required by law or to respond to legal processes (e.g., CBN, NDIC).
Financial Institutions: To facilitate transfers and banking operations.

5. Data Security and Retention

We use industry-standard encryption and security measures to protect your data. We retain your information for as long as your account is active or as needed to provide you with services and comply with our legal obligations.

6. Your Rights and Data Deletion

You have the right to access, correct, or request the deletion of your personal data.

Account Deletion: You can request account deletion directly through the mobile app settings. Upon deletion, we will remove your personal data from our active systems, except where retention is required by law (e.g., for financial record-keeping).

7. AI Privacy and Data Sharing

To provide intelligent financial assistance and real-time support, OrangePay.AI utilizes advanced Artificial Intelligence (AI) technology.

Data Shared: When you use our chat interface, your messages (which may contain transaction details or user-provided identifiers) are securely transmitted to our AI infrastructure.

Service Provider: We use the Microsoft Azure OpenAI Service to process your requests. This service provides enterprise-grade security and your data is NOT used to train foundation models.

Consent: We obtain your explicit permission within the app before sharing any data with the AI service. You can withdraw your consent at any time in the app settings.

8. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:

Email: info@orangepay.ai

1. Information We Collect

We collect information that you provide directly to us, as well as information generated through your use of the app.

Personal Identification: Name, email address, phone number, date of birth, and home address.

KYC Information: Government-issued identification (NIN, BVN, Driver's License), facial images for liveness checks, and other documents required by regulatory authorities.

Financial Information: Bank account numbers, transaction history, spending patterns, and balance information.

Device Information: IP address, device type, operating system, unique device identifiers, and mobile network information.

2. App Permissions

To provide full functionality, our app requests the following permissions:

Camera: Used for KYC verification (facial recognition and document scanning) and scanning QR codes for PayCircles.

Photo Library: Used to allow you to upload a profile picture and KYC documents from your gallery.

NFC: Used to detect and program compatible NFC tags for payment actions.

Notifications: Used to send you real-time alerts about transactions, account security, and AI insights.

3. How We Use Your Information

We use the collected data for various purposes, including:

Providing and maintaining our services, including processing transactions.

Verifying your identity and complying with Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations.

Personalizing your experience with AI-driven financial insights and automation.

Communicating with you about account updates, security alerts, and support.

Detecting, preventing, and addressing fraud or security issues.