1. Introduction

Milarn Services Limited (“Milarn,” “we,” “our,” or “us”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, store, and protect information when you use our website, mobile applications, products, and services, including our Earned Wage Access (EWA), payroll, and bill payment services.

By accessing or using the Milarn platform, you agree to the practices described in this Privacy Policy.

2. Information We Collect

We may collect the following categories of information:

a. Personal Information

• Full name
• Date of birth
• Phone number
• Email address
• Residential address
• Government-issued identification
• Bank account details
• BVN or other financial verification information where applicable
• Employment and payroll information

b. Financial Information

• Salary and wage data
• Payroll records
• Transaction history
• Payment and withdrawal records
• Bill payment information

c. Technical Information

• IP address
• Browser type
• Device information
• Operating system
• App usage statistics
• Login activity
• Cookies and tracking data

d. Customer Support Information

• Messages submitted to support
• Complaint records
• Survey responses
• Communication preferences

 

3. How We Use Your Information

We use your information to:

• Create and manage your account
• Verify your identity
• Provide Earned Wage Access services
• Process payroll-related services and withdrawals
• Facilitate bill payments and financial transactions
• Prevent fraud, unauthorized access, and illegal activities
• Improve our products and customer experience
• Communicate service updates and support information
• Comply with legal and regulatory obligations
• Conduct analytics and platform performance monitoring

 

4. Legal Basis for Processing

We process personal information based on:

• Your consent
• Performance of contractual obligations
• Compliance with legal obligations
• Legitimate business interests
• Fraud prevention and security requirements

5. Sharing of Information

We may share your information with:

• Employers and payroll partners
• Payment processors and financial institutions
• Identity verification providers
• Regulatory authorities and law enforcement agencies where required by law
• Service providers assisting with hosting, analytics, security, and customer support
• Professional advisers, auditors, or legal representatives

We do not sell your personal information to third parties.

 

6. Data Retention

We retain personal information only for as long as necessary to:

• Provide our services
• Fulfill contractual obligations
• Comply with legal, tax, and regulatory requirements
• Resolve disputes and enforce agreements

When information is no longer required, we securely delete or anonymize it.

7. Data Security

We implement reasonable technical, administrative, and organizational safeguards to protect your information from:

• Unauthorized access
• Data breaches
• Alteration
• Disclosure
• Loss or destruction

However, no internet-based platform can guarantee absolute security.

 

8. Cookies and Tracking Technologies

Milarn may use cookies and similar technologies to:

• Improve website functionality
• Remember user preferences
• Analyze traffic and usage patterns
• Enhance platform performance

You may disable cookies through your browser settings, though some features may not function properly.

9. International Data Transfers

Your information may be processed or stored in jurisdictions outside your country of residence. Where this occurs, we take reasonable measures to ensure appropriate data protection safeguards are implemented.

 

10. Your Privacy Rights

Depending on applicable laws, you may have the right to:

• Access your personal information
• Correct inaccurate information
• Request deletion of your information
• Restrict or object to processing
• Withdraw consent
• Request data portability
• Lodge complaints with regulatory authorities

Requests may be submitted through our official support channels.

11. Delete Account

Users may request deletion of their Milarn account at any time.

How to Request Account Deletion

You may request deletion by:

• Using the account deletion feature within the app or platform (if available), or
• Contacting our support team through our official customer support channels.

What Happens After Deletion

Upon successful verification of your request:

• Your account access will be disabled
• Personal information not required for legal or regulatory purposes will be deleted or anonymized
• Some records may be retained where required for compliance, fraud prevention, dispute resolution, taxation, audit, or legal obligations

Processing Timeline

Account deletion requests may require a reasonable processing period to complete.

 

12. Children’s Privacy

Milarn services are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors.

13. Third-Party Links and Services

Our platform may contain links to third-party websites or services. We are not responsible for the privacy practices or content of third-party platforms.

14. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Updated versions will be posted on our platform with a revised effective date.

Continued use of the platform after changes become effective constitutes acceptance of the updated policy.

15. Contact Information

Milarn Services Limited

Email: [email protected]

By using the Milarn platform, you acknowledge that you have read and understood this Privacy Policy.