Privacy Policy – Murlani.com

This Privacy Policy explains how Murlani ("Murlani", "we", "us", "our") collects, uses, stores, and discloses your personal information when you:

• visit or use our website at https://murlani.com/ and any subdomains under the "Murlani" brand, and/or
• use our mobile or tablet applications that we own and/or operate, or
• otherwise interact with us in connection with our services.

We are committed to handling your personal information in accordance with applicable data protection laws and this Privacy Policy.

By using our Services, creating an account, or otherwise providing personal information to us, you acknowledge and agree that your personal information will be handled as described in this Privacy Policy.

1. Website Use

By accessing or using our website or apps (collectively, the "Services"), you agree to be bound by this Privacy Policy.

We may update this Privacy Policy from time to time at our discretion. Any changes will be posted on the website and will be effective immediately upon posting. Your continued use of the Services following the posting of changes constitutes your acceptance of the updated Privacy Policy.

This Privacy Policy does not apply to third-party websites or services that may be linked from our website and which we do not control.

2. Personal Information We Collect

The types of personal information we may collect and process include (as applicable):

• Full name
• Email address
• Username and profile information
• Preferences you submit (e.g. language, notification settings, interests)
• Date of birth
• Country of citizenship / residence
• Physical or postal address
• Identification numbers or codes (where required)
• Government-issued identification documents (e.g. passport, ID card, driving licence, proof of address)
• Location data (e.g. IP-based or device-based location information)
• Device and technical information (browser type, operating system, device identifiers, etc.)
• IP address and related metadata
• Usage data related to our Services (for example: account activity, transactions, in-platform actions, reward status, referral or affiliate IDs)
• Information related to the enforcement of our Terms of Service and other policies (for example: compliance checks, fraud investigations, account restrictions)

We may collect personal information in various ways, including:

• Information you provide directly to us during account registration or when updating your profile
• Information you provide when contacting us (for example via email, forms, or live chat)
• Information generated through your use of our Services (for example, logs, activity history, interactions with features)
• Information obtained from third-party providers (such as identity verification services, payment providers, marketing or analytics partners), in accordance with this Privacy Policy, our Terms of Service, and applicable law

3. Purposes for Processing Personal Information

We process your personal information only where we have a lawful basis to do so and in a fair, proportionate, and transparent manner. Typical purposes include:

Account creation and management

To process your registration, create and maintain your account, and provide you with access to our Services.

Identity verification and compliance

To conduct "know-your-customer" (KYC) checks, verify your age and identity, and comply with legal, regulatory, and licensing requirements.

Providing and improving the Services

To operate, personalize, maintain, and improve our website, apps, and related features, including testing, troubleshooting, and service optimization.

Security and fraud prevention

To authenticate users, monitor for suspicious activity, prevent fraud or abuse, enforce our Terms of Service and policies, and protect the security and integrity of our systems.

Customer support and communication

To respond to your questions, complaints, or requests, and to communicate with you about account management, service-related updates, and changes to our terms or policies.

Marketing and promotions (where permitted)

To inform you about products, services, offers, promotions, or events that we believe may be of interest to you, via email, SMS, notifications or telephone, in accordance with your preferences and applicable laws.

Analytics, research, and business operations

To create aggregated or de-identified statistics about our users, improve user experience, understand how our Services are used, and support business decisions.

Tax, legal, and regulatory obligations

To calculate and meet any tax or regulatory obligations, respond to lawful requests from public authorities, and comply with applicable laws.

Dispute resolution and legal claims

To establish, exercise, or defend legal claims, and manage disputes, investigations, or enforcement actions.

Recruitment

To process job applications where you apply for a role with Murlani.

If you do not provide certain information that we reasonably require, we may be unable to create or maintain your account, provide parts of the Services to you, or respond to certain requests.

By using the Services or providing personal information, you acknowledge that we may process your personal information for the purposes and on the legal bases described in this Privacy Policy.

4. Direct Marketing and Opting Out

From time to time, and where permitted by law, we may use your personal information to send you marketing communications about our products, services, and promotions that we think may interest you. We may contact you via:

• Email
• SMS or push notifications
• Telephone
• In-app or on-site messages

You can opt out of direct marketing at any time by:

• following the "unsubscribe" or opt-out instructions in the communication; or
• contacting us at [email protected] (or through any other contact method we provide).

Even if you opt out of marketing messages, we may still send you non-promotional communications relating to your account or the operation of the Services (for example, security alerts, transaction notifications, or policy updates).

5. Management and Sharing of Your Personal Information

We take reasonable steps to ensure that personal information we collect, use, and disclose is accurate, up to date, and stored securely. We retain personal information only for as long as necessary for the purposes described in this Privacy Policy or as required by law (including to comply with our legal obligations, resolve disputes, and enforce our agreements).

We may share your personal information in the following circumstances:

a) Within Our Group

We may share personal information with our parent entities, subsidiaries, affiliates, and related companies (collectively, the "Murlani Group") for purposes consistent with this Privacy Policy, such as providing and improving the Services, internal administration, and compliance.

b) Service Providers and Partners

We may engage third-party service providers and partners to support our operations and provide the Services, for example:

• hosting and infrastructure providers
• payment processors and banking partners
• identity verification and fraud-prevention providers
• analytics, marketing, and advertising partners
• customer support software providers
• professional advisers (such as lawyers, auditors, and consultants)

These third parties may receive or have access to personal information only as needed to perform their functions and are required to process it in accordance with applicable data protection laws and our instructions.

c) Legal and Regulatory Requirements

We may disclose personal information if required to do so by law or in response to lawful requests by public authorities, including regulators, law enforcement, or courts, for example:

• to comply with legal obligations or regulatory requirements
• to protect our rights, privacy, safety, or property, and that of our users, partners, or the public
• to detect, prevent, or address fraud, security, or technical issues

d) Business Transfers

If we undergo a reorganisation, merger, acquisition, sale of assets, or other business transaction, personal information may be transferred to the relevant third parties as part of that transaction, in which case we will take steps to ensure that any recipient continues to handle your personal information in accordance with this Privacy Policy and applicable laws.

e) Data Retention and Deletion

When personal information is no longer required for the purposes for which it was collected, or to meet our legal, regulatory, or operational obligations, we will take reasonable steps to destroy it or irreversibly de-identify it.

6. Security of Personal Information

We implement reasonable technical and organisational measures designed to protect personal information from unauthorised access, misuse, loss, or disclosure. These may include:

• password-protected systems and databases
• encryption technologies (such as SSL/TLS) during data transmission
• access controls and logging
• internal policies and training for staff

However, no method of transmission over the Internet or method of electronic storage is completely secure. We cannot guarantee the absolute security of your information in transit, and any transmission is at your own risk.

We may communicate with you electronically (for example via email, notifications, or in-platform messages) regarding security, privacy, and administrative issues relating to your use of the Services.

You are responsible for:

• keeping your username, password, and other account credentials confidential
• ensuring that you log out of your account when finished, especially on shared devices
• maintaining the security of your own devices and internet connection

We do not knowingly accept personal information or account registrations from individuals who are under the legal age required to use our Services. Parents and guardians should monitor and supervise their children's online activities and may wish to consider appropriate parental control or filtering tools.

7. Access to and Correction of Personal Information

You may access and update certain personal information directly through your account settings on the website or app.

You may also contact us at [email protected] to:

• request access to personal information we hold about you;
• request correction of personal information that is inaccurate, incomplete, or outdated.

We will respond to such requests within a reasonable period and in accordance with applicable laws. In some circumstances, we may be unable to provide access or correction (for example, where doing so would interfere with the privacy rights of others, or where we are legally prevented from doing so). If we refuse your request, we will explain our reasons and outline your options for making a complaint.

8. Deletion of Personal Data

You may request that we delete your personal data where:

• the data is no longer needed for the purposes for which it was collected;
• you have withdrawn consent (where consent was the legal basis for processing); or
• you believe we are processing your data unlawfully.

To request deletion, please contact us at [email protected].

Please note that this right is not absolute. We may be required or allowed to retain certain data where we have a legal obligation (for example, under anti-money-laundering, financial, or tax laws), or where retention is necessary for establishing, exercising, or defending legal claims, or for other legitimate business purposes.

9. Contact Details

If you have any questions, concerns, requests, or complaints about this Privacy Policy or our handling of your personal information, you can contact us at:

Email: [email protected]

We may also provide support and contact options through our site's customer support or chat function, where available.

10. International Data Transfers

Your personal information may be transferred to, stored in, and processed in countries other than the one in which you reside. These countries may have data protection laws that are different from the laws in your jurisdiction.

Where we transfer personal information internationally, we take steps to ensure that appropriate safeguards are in place to protect your information, in accordance with applicable legal requirements (for example, using standard contractual clauses or equivalent mechanisms where required).

11. Legal Bases for Processing (EU/EEA and Similar Jurisdictions)

Where applicable data protection laws (such as the EU/UK General Data Protection Regulation) apply, we rely on one or more of the following legal bases to process your personal information:

Performance of a contract:

Processing is necessary to provide the Services, manage your account, and fulfil our obligations under our agreement with you.

Legitimate interests:

We process your information for our legitimate business interests, such as operating and improving the Services, detecting and preventing fraud, and ensuring network and information security, provided that such interests are not overridden by your rights and freedoms.

Consent:

In some cases, we rely on your consent to process personal information (for example, certain marketing activities or optional features). You may withdraw your consent at any time, without affecting the lawfulness of processing based on consent before its withdrawal.

Legal obligation:

We process personal information where necessary to comply with our legal obligations (for example, regulatory, tax, and anti-money-laundering requirements).

12. Supervisory Authorities and Complaints (EU/EEA)

If you are located in the European Economic Area, United Kingdom, or another jurisdiction with similar rights, you may have the right to lodge a complaint with your local data protection authority if you believe that our processing of your personal information infringes applicable data protection laws.

We encourage you to contact us first, so we can try to resolve your concerns directly.

13. Changes to This Privacy Policy

We may review and update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or other factors.

The most current version of the Privacy Policy will always be available on https://murlani.com/ and will indicate the date it was last updated. Any changes will become effective when we post the revised Privacy Policy. You are encouraged to review this Privacy Policy periodically to stay informed about how we handle your personal information.