Privacy Policy
Effective Date: 1/1/2023
Last Updated: 1/1/2025

Orchard (“Company,” “we,” “us,” or “our”) values your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, share, and safeguard your personal data when you use our website, services, and communications, including phone, email, and SMS messaging.

By using our website or services, you consent to the collection and use of your personal data as described in this Privacy Policy. If you do not agree with this Privacy Policy, please do not use our services.

1. SMS Privacy Policy

Orchard (“we,” “us,” or “our”) respects your privacy and is committed to protecting your information when you opt into our SMS messaging services.

1.1 SMS Opt-In & Consent

• By providing your mobile number, you expressly consent to receive automated and non-automated text messages from Orchard regarding our services.
• You may opt in to receive messages via our website, written agreements, or verbal consent during a call with a representative.

1.2 Message Frequency & Opt-Out Rights

• Message frequency may vary depending on the nature of our services and your interactions with us.
• You may opt out of SMS communications at any time by replying STOP to any message.
• After opting out, you will receive one final confirmation message stating that you have been unsubscribed.

1.3 Third Parties That Help Provide SMS Services

• We may share your phone number with trusted third-party vendors who assist in delivering our SMS messages, such as:
  • SMS platform providers
  • Mobile carriers
  • Other vendors required for message delivery
• We do not sell or share phone numbers with third parties for marketing purposes.

1.4 Fees & Carrier Liability Disclaimer

• Message and data rates may apply based on your mobile carrier’s plan.
• Carriers are not liable for delayed or undelivered messages.

1.5 Additional Disclosures to Affiliates

• We may share SMS opt-in data with our affiliates or subsidiaries, but their use of your information will always be subject to this Privacy Policy.
• Text messaging originator opt-in data and consent will not be shared with third parties.

2. Information We Collect

We collect personal and non-personal data in the following ways:

2.1 Personal Data You Provide to Us

We collect personal data when you:

• Sign up for our services
• Submit inquiries or requests
• Communicate with us via email, phone, or SMS
• Opt into our marketing or SMS campaigns
• Provide information necessary to verify your eligibility for surplus funds

The personal data we may collect includes:

• Name, email address, phone number
• Mailing address
• Any data you voluntarily submit related to asset recovery services

2.2 Automatically Collected Data

We collect certain technical data automatically, including:

• IP address, browser type, and operating system
• Usage data (such as website interactions and time spent on pages)
• Cookies and tracking technologies (see Section 8 on Cookies & Tracking Technologies)

3. How We Use Your Data

We use the data we collect for the following purposes:

• To Provide Services – Helping you recover unclaimed funds and providing support
• To Communicate with You – Sending important updates, responding to inquiries, and confirming transactions
• For Marketing – Sending promotional content, newsletters, or SMS updates (with opt-out options)
• For Legal and Security Purposes – Preventing fraud, ensuring compliance, and protecting our platform

We will never sell or rent your personal data to third parties.

4. State-Specific Privacy Rights

4.1 Missouri-Specific Privacy Considerations

Orchard operates in compliance with the Missouri Merchandising Practices Act (MMPA) and other applicable Missouri laws. We do not engage in misleading or fraudulent business practices.

4.2 California Residents (CCPA/CPRA Compliance)

If you are a California resident, you have rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), including the right to:

• Request access to the personal data we collect about you.
• Request deletion of your personal data (subject to legal exceptions).
• Opt out of data sharing or targeted advertising (if applicable).
• We do not sell personal data, but we will honor opt-out requests.
• To make a request, visit our Contact Us page.

4.3 Other State-Specific Rights

Residents of Virginia, Colorado, Connecticut, and Utah may have similar rights regarding access, deletion, and opting out of data processing. If you are a resident of one of these states and would like to exercise your rights, please contact us.

5. Do Not Call Policy & TCPA Compliance

• By providing your phone number, you expressly consent to receive calls and text messages from Orchard regarding its services.
• You can opt out of marketing communications at any time by replying STOP to text messages or visiting our Contact Us page.
• Orchard makes reasonable efforts to comply with federal and state Do Not Call (DNC) regulations and will honor opt-out requests in compliance with applicable laws.
• Orchard does not knowingly call or text individuals who are listed on the National Do Not Call Registry unless they have provided prior express consent to be contacted.
• Due to the dynamic nature of DNC lists and database updates, Orchard cannot guarantee absolute avoidance of all numbers on the registry. However, we maintain policies and procedures to minimize the chances of errors.
• If you believe you have received a call in error, please visit our Contact Us page, and we will promptly investigate and take corrective action as needed.

6. Data Breach Notification

• If a data breach occurs that affects personal data, Orchard will comply with all applicable state and federal laws regarding breach notification.
• If required by law, we will notify affected users via email, phone, or written notice.

7. International Users & GDPR Notice

• Orchard is a U.S.-based company and does not intentionally collect or process personal data from individuals in the European Union (EU).
• If an EU resident inadvertently provides personal data, they may contact us to request its deletion.
• If GDPR applies, we will comply with the relevant provisions as necessary.

8. Cookies & Tracking Technologies

Orchard uses cookies and similar tracking technologies to enhance your browsing experience.

• Website functionality – Necessary for site operation.
• Analytics & performance tracking – Helps us improve our services.
• Marketing & advertising – Used to personalize content.
• You can adjust your browser settings to block or delete cookies.

9. Changes to This Privacy Policy

We may update this Privacy Policy periodically. The latest version will always be posted on our website.

10. Contact Us

If you have questions about this Privacy Policy or your data, please visit our Contact Us page.