Effective Date: July 30, 2026 • Last Updated: July 30, 2026 • EarNnLearN Inc.
1. Introduction
EarNnLearN Inc. ("EarNnLearN", "we", "our", or "us") is committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, store, share, and protect your data when you use our platform — including when you register an account, purchase educational content, participate in our referral earnings program, or transact through our in-app shop.
2. Who We Are
EarNnLearN is an online educational platform offering free and paid courses, a Pay-Per-Content (PPC) learning model, a referral-based earnings program, and an in-app shop for learning materials.
3. Information We Collect
We collect the following types of personal data:
a) Information You Provide Directly
- Account Registration Data: Full name, email address, phone number, password (stored encrypted).
- Financial & Withdrawal Details: Bank account number or mobile wallet details submitted for earnings withdrawals.
- Payment Information: Processed securely via Paystack. EarNnLearN does not receive, store, or have access to your full card details.
- Referral Data: The referral/product code you used at registration and the code assigned to your account.
b) Automatically Collected Data
- IP address, browser type, and device/operating system details.
- Pages visited, time spent, and session activity logs.
- Login timestamps and referring URLs.
c) Transaction Data
- Course purchase history and Pay-Per-Content (PPC) payment records.
- In-app shop purchases.
- Referral commissions earned, pending, and withdrawn.
- In-app wallet balance and full transaction logs.
4. How We Use Your Information
- To create and manage your account on the platform.
- To process payments and verify transactions via Paystack.
- To deliver educational content you have purchased or accessed.
- To administer the referral/earnings program and accurately credit commissions.
- To process withdrawal requests to your bank account or external wallet.
- To send transactional emails — registration confirmations, payment receipts, and season renewal reminders.
- To send promotional communications, only if you have opted in (you may opt out at any time).
- To detect and prevent fraud, abuse of the referral system, or unauthorized account activity.
- To comply with legal obligations and regulatory requirements.
- To improve our platform through usage analytics and user feedback.
5. Payments & Paystack
All financial transactions on EarNnLearN — including course purchases, PPC payments, shop transactions, and commission withdrawals — are processed securely by Paystack (PCI-DSS Level 1 compliant). When you make a payment:
- Your card or bank details are entered directly into Paystack's secure environment.
- EarNnLearN never receives, stores, or has access to your full card details.
- Paystack processes your payment data under their own Privacy Policyand is governed by their Terms of Serviceand Acceptable Use Policy.
6. How We Share Your Data
We do not sell, rent, or trade your personal information. We only share your data with:
- Paystack — for payment processing and settlement.
- Hosting / Cloud providers — who store data on our behalf under strict confidentiality agreements.
- Email service providers — for transactional and promotional communications.
- Law enforcement or regulatory authorities — only when required by law or to protect our legal rights.
- Business successors — in the event of a merger, acquisition, or sale of assets (you will be notified in advance).
7. Referral Program & Earnings Data
Your referral/product code is linked to your account and used to track commissions when new users register with your code. Earnings and withdrawal history are stored securely and used solely to manage your in-app wallet. We do not sell or share your earnings data with third parties, except where required by law or for payment processing purposes.
8. Cookies & Tracking Technologies
EarNnLearN uses cookies and similar technologies to:
- Essential Cookies: Keep you logged in and enable core platform functionality.
- Analytics Cookies: Help us understand how users interact with the platform.
- Preference Cookies: Remember your settings and choices.
You can manage cookie preferences via your browser settings. Disabling essential cookies may affect platform functionality.
9. Data Security
We implement industry-standard security measures, including 256-bit SSL/TLS encryption for all data in transit, encrypted password storage, strict internal access controls, and regular security reviews. However, no internet transmission is 100% secure, and we cannot guarantee absolute security.
10. Data Retention
We retain your personal data for as long as your account is active or as needed to provide our services. Financial records may be retained for up to 7 years to meet legal and regulatory obligations. When data is no longer needed, it is securely deleted or anonymized.
11. Your Rights
You have the right to:
- Access — Request a copy of the personal data we hold about you.
- Correction — Request that inaccurate data be corrected.
- Deletion — Request that your data be deleted ("right to be forgotten").
- Portability — Request your data in a structured, machine-readable format.
- Withdraw Consent — Opt out of marketing emails at any time.
To exercise any of these rights, contact us at [email protected]. We respond to all requests within 30 days.
12. Children's Privacy
EarNnLearN is not directed at children under the age of 13. We do not knowingly collect personal data from children. If you believe a child has registered without parental consent, please contact us immediately at [email protected] and we will promptly delete the account and associated data.
13. Changes to This Policy
We may update this Privacy Policy periodically. When we do, we will update the "Last Updated" date above and notify registered users via email or in-app notification for significant changes. Your continued use of EarNnLearN after changes are posted constitutes your acceptance of the updated policy.
14. Contact Us
If you have questions about this Privacy Policy or wish to request data correction, account deletion, or exercise any of your rights, please contact us at: [email protected] or visit our Contact Us page.