Privacy Policy
Last updated: 14 February 2026
Mi Wallet LTD (“Mi Wallet”, “we”, “us” or “our”) is a registered company operating in the Republic of Malawi.
We provide digital products and technology services including, but not limited to:
- Mi Wallet OmniPOS
- Mi Wallet Credit application
- Loan and micro-finance management systems
- Payment and financial record systems
- Web development services
- Mobile application development services
- System hosting and cloud infrastructure services
- Database design, hosting and management services
- Technical support, system maintenance and consulting services
This Privacy Policy explains how we collect, use, store, share and protect your personal data when you access or use any of our websites, applications, platforms, APIs, services and support channels (collectively, the “Services”).
1. Scope of this Policy
This Privacy Policy applies to:
- All users of Mi Wallet OmniPOS and related business systems
- All users of Mi Wallet Credit and lending systems
- All customers using applications or platforms developed by Mi Wallet LTD
- All visitors to our website https://miwalletmw.com
- All clients using our hosting, database and technical support services
By using any of our Services, you agree to the collection and use of information in accordance with this Privacy Policy.
2. Information We Collect
2.1 Personal and Business Information
We may collect and process the following types of personal and business-related information:
- Full name
- Email address
- Phone number
- Business name and business registration details
- Business location and address
- User account identifiers
- Login credentials (securely stored in encrypted form)
- Subscription and billing information
- Customer records entered by you into our systems
- Staff or operator details used to access your systems
2.2 Financial and Transaction Data
When you use our POS, credit, loan or financial management systems, we process information such as:
- Sales records
- Credit and loan records
- Repayment and payment information
- Customer balances and transaction history
- Business financial reports generated by the system
Mi Wallet LTD does not store your customers’ bank card numbers unless explicitly required by an integrated payment provider and handled through compliant third-party processors.
2.3 Technical and Usage Information
- IP address
- Device type, operating system and browser
- Application version
- Log files and crash reports
- System usage statistics
- Access timestamps
3. How We Use Your Information
We use your information strictly for legitimate business and operational purposes, including:
- Providing and operating our applications and platforms
- Creating and managing user accounts
- Providing system hosting and database services
- Synchronising and backing up your business data
- Providing technical support and troubleshooting
- Improving system performance and reliability
- Developing new products and services
- Communicating with you regarding your account, system updates and support requests
- Monitoring and preventing fraud, abuse and system misuse
- Complying with legal and regulatory requirements
4. Legal Basis for Processing
We process your personal information based on:
- Your consent
- The performance of a contract between you and Mi Wallet LTD
- Our legitimate business interests
- Compliance with applicable laws in Malawi and other relevant jurisdictions
5. Data Storage and Hosting
Your data may be stored:
- On Mi Wallet LTD controlled servers
- On approved cloud infrastructure providers
- Within database systems managed by Mi Wallet LTD
We implement reasonable technical and organisational safeguards to protect your data against loss, misuse, unauthorised access, disclosure, alteration and destruction.
6. Data Sharing and Disclosure
We do not sell your personal data.
We may share your data only with:
- Our trusted hosting and infrastructure partners
- Payment and communication service providers where required
- Professional advisers (legal, technical or auditing services)
- Authorities where disclosure is required by law
All partners and service providers are required to maintain appropriate data protection and confidentiality standards.
7. Cross-Border Data Transfers
Some of our infrastructure providers may store or process data outside Malawi.
Where this occurs, we ensure reasonable safeguards are in place to protect your information.
8. Data Retention
We retain your data only for as long as necessary to:
- Provide our Services
- Comply with legal obligations
- Resolve disputes
- Enforce our agreements
Business and financial records may be retained for longer periods where required by law or regulatory requirements.
9. Security of Your Data
We apply industry-standard security practices including:
- Encrypted data transmission
- Restricted internal access
- Authentication and access controls
- System monitoring and logging
- Regular maintenance and updates
However, no method of electronic transmission or storage is completely secure. We cannot guarantee absolute security.
10. Your Rights
You have the right to:
- Request access to your personal data
- Request correction of inaccurate data
- Request deletion of your data (subject to legal obligations)
- Request restriction of processing
- Withdraw consent where processing is based on consent
Requests may be submitted using the contact details below.
11. Customer Data Responsibility
When you store your own customers’, clients’ or borrowers’ data in our systems, you remain the data controller for that information.
Mi Wallet LTD acts as a data processor on your behalf.
You are responsible for ensuring that you have the necessary rights and permissions to collect and process such information.
12. Cookies and Website Tracking
Our website may use cookies and similar technologies to:
- Improve user experience
- Analyse website usage
- Maintain session security
You may control cookie settings through your browser preferences.
13. Children’s Privacy
Our Services are not intended for use by children under the age of 18.
We do not knowingly collect personal data from minors.
14. Changes to this Privacy Policy
We may update this Privacy Policy from time to time.
Any changes will be posted on our website and become effective upon publication.
15. Contact Information
If you have any questions, concerns or requests regarding this Privacy Policy or our data practices, please contact us:
Mi Wallet LTD is a registered company operating in Malawi.