Privacy Policy

Milarn (“we,” “our,” or “us”) respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, and share information about you when you access our Earned Wages Access (EWA) platform and related services. By using our services, you agree to the practices described in this policy.

 

1. Information We Collect

We collect personal and financial information to provide and improve our services. This includes:

1.1 Personal Information

• Full name
• Date of birth
• Contact details (email, phone number, address)
• Identification documents (e.g., national ID, BVN, or other regulatory requirements)

1.2 Employment and Payroll Information

• Employer name
• Employment status
• Salary details
• Payment schedules

1.3 Technical and Usage Data

• Device information (e.g., IP address, browser type)
• Usage data (e.g., log-in times, interactions with the platform)

1.4 Financial Information

• Bank account details
• Transaction history
• Loan or wage advance requests and records

1.5 Other Information

Any other data you voluntarily provide when contacting support, filling out forms, or participating in surveys.

 

2. How We Use Your Information

We use the collected data to:

1. Facilitate wage access services and process transactions.
2. Verify your identity and eligibility for the service.
3. Communicate with you about your account, services, or promotions.
4. Monitor and enhance the platform’s functionality and user experience.
5. Comply with legal obligations and regulatory requirements.
6. Detect and prevent fraud, unauthorized access, or other security breaches.

 

3. Sharing Your Information

We share your information only as necessary and with your consent, as outlined below:

1. With Your Employer: To verify employment, wages, and service eligibility.
2. With Service Providers: Trusted third-party partners who assist in service delivery, payment processing, or platform development.
3. Legal and Regulatory Authorities: To comply with legal obligations, court orders, or requests from government authorities.
4. Business Transfers: In the event of a merger, acquisition, or sale of assets, your data may be transferred as part of the transaction.

 

4. Data Security

We implement industry-standard measures to protect your data from unauthorized access, disclosure, or misuse. These measures include:

• Encryption of sensitive data during transmission and storage.
• Regular security audits and vulnerability assessments.
• Access controls to ensure only authorized personnel can access your information.

Note: While we strive to protect your data, no system is completely secure. You are responsible for maintaining the confidentiality of your account credentials.

 

5. Your Rights

You have certain rights regarding your data, including:

1. Access: Request a copy of the personal data we hold about you.
2. Correction: Update or correct inaccuracies in your data.
3. Deletion: Request deletion of your personal data, subject to legal and contractual obligations.
4. Restriction: Limit how we use your data in certain circumstances.
5. Objection: Opt-out of data processing for direct marketing or other specific purposes.
6. Data Portability: Receive your data in a structured, machine-readable format for transfer to another service.

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

 

6. Retention of Data

We retain your personal data only for as long as necessary to:

• Fulfill the purposes outlined in this policy.
• Comply with legal, regulatory, or contractual requirements.
• Resolve disputes and enforce agreements.

When no longer required, your data will be securely deleted or anonymized.

 

7. Cookies and Tracking Technologies

We use cookies and similar technologies to:

1. Enhance your user experience on our platform.
2. Collect analytics to improve our services.
3. Deliver personalized content and advertisements.

You can manage your cookie preferences through your browser settings. However, disabling cookies may affect your ability to use certain features of our platform.

 

8. Third-Party Links

Our platform may contain links to third-party websites or services. Milarn is not responsible for the privacy practices or content of these external sites. We encourage you to review their privacy policies before sharing your data.

 

9. Updates to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. The updated policy will be posted on our platform with the “Last Updated” date revised. Continued use of our services constitutes your acceptance of the updated terms.

 

10. Contact Us

If you have any questions, concerns, or complaints regarding this Privacy Policy or our data handling practices, please contact us:

Email: [email protected]
Phone: +2348075288938

 

11. Governing Law

This Privacy Policy is governed by the laws of the Federal Republic of Nigeria. Any disputes arising from or related to this policy shall be subject to the jurisdiction of Nigerian courts.