Privacy Policy

Last updated: 29 August 2025

Milarn.com (“Milarn”, “we”, “our”, or “us”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, and share information when you use our mobile application for employees (“Staff App”) and web platform for employers (“Employer Dashboard”), together referred to as the “Services.”

By using our Services, you agree to the practices described in this Privacy Policy. If you do not agree, please discontinue use of our Services.

1. Information We Collect

We collect the following categories of personal information:

Category	Examples	Purpose
Personal Information	Name, email, phone, address	To create and manage your account
Employment Information	Employer name, employee ID, wages, work hours	To verify eligibility and calculate earned wages
Financial Information	Bank details, payment method	To process wage advances and transfers
App Activity	App usage, pages viewed, errors	To improve performance and user experience
Device Information	Device type, OS, unique ID	For security, fraud prevention, and compatibility
Location (approx.)	City/region-level location	Fraud detection, compliance checks
Communications	Support requests, messages	Customer service and dispute resolution

We may also receive data from employers (work hours, payroll data) and payment partners (transaction status).

2. Legal Basis for Processing (GDPR/NDPR)

If you are located in the European Union, our lawful bases for processing your data include:

Contract: To provide our Services (earned wage access).
Legal Obligation: To comply with financial, tax, and employment regulations.
Legitimate Interest: Fraud prevention, security, service improvement.
Consent: For optional features like notifications or marketing (you may withdraw at any time).

3. How We Use Your Information

We use the information we collect to:

Provide, operate, and improve our Services.
Verify your identity and employment status.
Process transactions and wage advance requests.
Send notifications about transactions, updates, or service alerts.
Detect, prevent, and investigate fraud or misuse.
Comply with legal, regulatory, and financial obligations.

4. How We Share Your Information

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

Employers: For payroll verification and wage calculations.
Payment Processors & Banks: To complete transactions.
Service Providers: Hosting, analytics, customer support.
Regulators/Law Enforcement: If required by law.
Business Transfers: In case of a merger, acquisition, or restructuring.

5. Data Retention

We keep personal data only as long as necessary for:

Service delivery,
Legal/regulatory compliance, and
Resolving disputes.

When no longer required, data is securely deleted or anonymized.

6. Data Deletion

You may request deletion of your account and personal data at any time by contacting us directly.

How to Request Deletion:
Send an email to [email protected] with your registered account details.
Processing of Requests:
Once we verify your identity, we will delete or anonymize your personal data within 30 days, unless we are legally required to retain certain information (e.g., payroll or financial compliance).
Employer/Financial Records:
Employers and financial partners may be required by law to retain certain payroll and transaction records. In such cases, Milarn will only retain the minimum necessary data for compliance.

7. Data Storage & Security

We use encryption, access controls, and secure transfer protocols to protect data.
In case of a data breach, we will notify affected users and regulators if legally required.

8. Your Rights

Depending on your jurisdiction, you may have rights to:

Access, correct, or delete your personal data.
Restrict or object to certain processing.
Request data portability.
Withdraw consent at any time (where applicable).
File a complaint with your local data protection authority.

California residents (CCPA/CPRA) also have the right to:

Know what categories of data we collect.
Request deletion of data.
Opt-out of “selling” or “sharing” data (Milarn does not sell personal data).

To exercise these rights, contact us at [email protected].

9. Employer vs Employee Data Responsibility

Employers remain responsible for payroll records and employment data they submit to Milarn.
Milarn processes this data solely to provide earned wage access services and does not use it for unrelated purposes.

10. Children’s Privacy

Our Services are intended for individuals aged 18 and older. We do not knowingly collect data from minors. If we learn a child has provided personal data, we will delete it promptly.

11. Third-Party Services

Our Services may link to third-party websites or integrate with payroll/payment systems. Their privacy practices are separate and not covered by this policy.

12. International Transfers

If you access our Services outside of Nigeria, your data may be transferred to and processed in countries with different data protection standards. We ensure appropriate safeguards are in place.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Updates will be posted with a revised “Last Updated” date. If changes are significant, we will notify you via email or in-app alerts.

14. Contact Us

If you have questions, concerns, or requests (including data deletion), contact us at:

Email: [email protected]
Phone: +44758979156, +2348075288938