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Multimilla Privacy Policy

BIG MULTIMILLA INTERNATIONAL LTD ("Multimilla", "We", "Us", "Our") | 45 Zik's Avenue, Awka, opposite Nig. Prisons, Amawbia, Anambra State, Nigeria | Last updated: October 8, 2026

This document has two separate parts. Part 1: Privacy Policy explains how We collect, use, share and protect Your personal data. Part 2: Terms of Use explains the rules, fees and conditions for Our Ajo contribution cycles, loans, fixed deposits and cards.


1. Introduction

This Privacy Policy describes Our policies on the collection, use and disclosure of Your information when You use the Multimilla mobile application or the website at www.multimilla.com (together, the "Service"). By using the Service, You agree to the collection and use of information as described here. We handle Your data in line with the Nigeria Data Protection Act (NDPA) 2023 and other applicable laws.


2. Key Definitions

  • Account: a unique account created for You to access the Service.
  • Personal Data: any information that relates to an identified or identifiable person.
  • Usage Data: data collected automatically when You use the Service, such as device and visit information.
  • Service Provider: any person or company that processes data on Our behalf.
  • Affiliate: an entity that controls, is controlled by, or is under common control with Us.
  • You: the individual or entity using the Service.


3. Information We Collect

Information You give Us:

  • Full name, email address and phone number.
  • Identity and verification details (such as BVN, NIN or other ID) where required to open an Account or access loans, fixed deposits and cards.
  • Bank account and wallet details, and Your deposit, withdrawal and transaction history.
  • Loan information: amounts requested, repayment history and any late payments.
  • Fixed deposit information: amounts, durations, interest and due dates.
  • Card information: Your card request, waiting list status, eligibility and delivery details.
  • Ajo contribution cycle information: the packages You join, Your position in each cycle and Your payouts.

Information collected automatically (Usage Data):

  • Your device's IP address, device type, browser details, the pages You visit, and the time and date of Your visits.


4. Cookies and Tracking Technologies

We use cookies, web beacons, tags and scripts to track activity on Our Service and improve it. You can instruct Your browser to refuse cookies, but some parts of the Service may then not work.

Cookie type

Duration

Purpose

Necessary / Essential

Session

Log You in, protect Your Account and prevent fraud.

Cookie Notice Acceptance          

Persistent.          

 Remember that You accepted the use of cookies.

Functionality

Persistent

Remember Your choices, such as login details or language.


5. How We Use Your Personal Data

We use Your Personal Data to:

  • Provide and maintain the Service and manage Your Account.
  • Verify Your identity and prevent fraud, money laundering and other unlawful activity.
  • Assess Your eligibility for loans and cards, and process loan disbursements and repayments.
  • Manage Your fixed deposits, including paying interest and returning Your capital on the due date.
  • Operate Ajo contribution cycles and send payouts to Your Wallet Balance.
  • Process deposits, withdrawals and other transactions, and apply the fees described in Part 2.
  • Add You to the card waiting list and notify You when You are eligible or Your card is ready.
  • Contact You by email, phone, SMS or push notification about updates, payments, due dates and security.
  • Send You news and offers about similar services, unless You opt out.
  • Analyse usage trends and improve the Service.
  • Evaluate or carry out a merger, sale or restructuring of Our business.


6. How We Share Your Personal Data

We may share Your Personal Data:

  • With Service Providers who help Us run the Service, process payments, verify identity or contact You.
  • With banks, payment processors and card partners to process transactions and issue cards.
  • With credit bureaus and verification services for identity checks and credit reporting on loans.
  • With Affiliates and business partners who must honour this Privacy Policy.
  • In a business transfer, such as a merger or sale of assets. We will give notice before Your data becomes subject to a different policy.
  • With authorities when required by law or valid legal requests, or to protect Our rights, prevent wrongdoing, protect safety or protect against legal liability.
  • With other users, when You share information in public areas of the Service.
  • With Your consent, for any other purpose.


7. Retention of Your Personal Data

We keep Your Personal Data only as long as needed for the purposes in this policy, including to meet legal and regulatory obligations (such as financial record-keeping), resolve disputes and enforce Our agreements. Usage Data is generally kept for a shorter period unless needed for security or required by law.


8. Transfer of Your Personal Data

Your data may be processed at Our offices and wherever Our Service Providers are located, including outside Nigeria. By using the Service, You agree to this transfer. We take reasonable steps to make sure Your data stays secure and is not transferred unless adequate controls are in place.


9. Security of Your Personal Data

We use commercially acceptable measures to protect Your data. No method of internet transmission or electronic storage is 100% secure, so We cannot guarantee absolute security. You must keep Your password, PIN and login details private.


10. Your Rights

You may:

  • Ask to access the Personal Data We hold about You.
  • Update or correct Your information.
  • Ask Us to delete Your Personal Data. We may need to keep some information where the law requires it.
  • Object to or restrict certain uses of Your data.
  • Withdraw Your consent at any time, which may limit the services We can offer You.

To use these rights, contact Us using the details in Section 13.


11. Children's Privacy

Our Service is only for people aged 16 and above. We do not knowingly collect Personal Data from anyone under 16. If You are a parent or guardian and believe Your child has given Us Personal Data, please contact Us and We will remove it.


12. Changes to This Privacy Policy

We may update this policy from time to time. We will post the new version on this page and tell You by email or a notice on the Service before the change takes effect, and We will update the "Last updated" date.


13. Contact Us

Email: support@multimilla.com

Phone: (+234) 803 268 8415