Terms and Conditions

1. Definitions

For clarity, the following terms apply:

• “Company” refers to Milarn, the provider of the Earned Wages Access platform.
• “Client” refers to any business entity or employer that contracts Milarn’s services for its employees.
• “Service” refers to the provision of early access to a portion of wages earned by the Client’s employees before their scheduled payday.
• “User” or “Employee” refers to the employees of the Client who are granted access to the Service.

2. Scope of Service

Milarn offers a fintech platform to facilitate:

• Early access to earned wages by employees, disbursed before payday.
• Streamlined employer integration for payroll processing.
• Transparency in financial data and service terms.

The Service is exclusively available in Nigeria and adheres to all local laws and regulations.

3. Client Responsibilities

To ensure the effective delivery of the Service, the Client agrees to:

1. Employee Eligibility: Provide accurate payroll data and ensure employees are qualified for the Service with verifiable earnings.
2. Notification of Changes: Inform Milarn promptly of any changes to an employee’s status (e.g., termination, suspension, or leave) that may affect service delivery.
3. Timely Remittance: Ensure the repayment of disbursed wages on the agreed payday without delays or deductions.
4. Dedicated Contact: Assign a representative to handle all queries and communication with Milarn regarding employee data and payroll.
5. Compliance: Ensure that no actions or omissions by the Client or its employees compromise Milarn’s operations or reputation.

4. Milarn’s Responsibilities

Milarn is committed to:

1. Providing timely disbursement of funds to eligible employees.
2. Offering onboarding assistance and support to ensure seamless adoption of the Service by the Client and its employees.
3. Responding promptly to queries and concerns from both the Client and its employees.
4. Taking necessary measures to ensure data security and compliance with applicable laws.
5. Maintaining transparency regarding service terms and associated costs.

5. Fees and Charges

Milarn may charge service fees for facilitating wage advances. The applicable fees will be disclosed upfront and agreed upon by all parties. These fees are non-refundable unless otherwise stated in this agreement.

6. Data Privacy and Confidentiality

1. Data Ownership: All data processed for the Service remains the intellectual property of Milarn. Clients and employees may access their data solely for purposes related to the Service.
2. Confidentiality: Both parties agree to protect confidential information shared during this agreement. Disclosure is only permitted with prior written consent or as required by law.
3. Data Security: Milarn complies with Nigerian Data Protection Regulations (NDPR) to safeguard personal and financial information. However, the Client must ensure that all employee data provided is accurate and secure.

7. Refund Policy

If dissatisfied with the Service, the Client may request a refund. Refunds will be processed after deducting:

• The value of services already rendered.
• Administrative and third-party costs incurred during service delivery.

Requests must be submitted in writing and will be addressed within 14 business days.

8. Term and Termination

1. Term: This agreement remains in effect unless terminated by mutual consent or due to a breach as outlined below.
2. Termination for Breach: Either party may terminate the agreement upon 30 days’ written notice if the other party commits a material breach and fails to remedy it within the notice period.
3. Effects of Termination:
   • Milarn will facilitate the transition to another service provider if required.
   • The Client must settle all outstanding obligations before termination.
   • Confidential data and materials must be returned or securely destroyed upon termination.

9. Dispute Resolution

1. Amicable Resolution: Parties must endeavor to resolve disputes through negotiation and mediation.
2. Legal Jurisdiction: If disputes remain unresolved, they shall be subject to the jurisdiction of Nigerian courts, under the laws of the Federal Republic of Nigeria.

10. Limitations of Liability

1. Milarn shall not be held liable for:
   • Delays or failures caused by factors beyond its reasonable control, such as system outages or force majeure events.
   • Misuse or unauthorized access of the Service by the Client or its employees.
2. The Client is responsible for indemnifying Milarn against losses arising from any breach of this agreement by the Client or its employees.

11. Updates to Terms

Milarn reserves the right to update these Terms and Conditions. Clients will be notified of changes via email or platform notifications. Continued use of the Service constitutes acceptance of revised terms.

12. Miscellaneous Provisions

1. No Waiver: Failure to enforce any provision of these terms does not constitute a waiver of rights.
2. Severability: If any provision is deemed invalid, the remainder of the terms shall remain enforceable.
3. Entire Agreement: These Terms and Conditions represent the entire agreement between the parties regarding the Service.

Contact Information

For inquiries or concerns about these Terms and Conditions, please contact Milarn at:
Email: [email protected]
Phone: +2348075288938