Privacy Policy m99my

1 Information We Collect

In operating the m99my platform, we collect several categories of personal information from members. This collection is carried out directly through the registration process and platform use, as well as automatically through permitted tracking technologies.

We only collect information that is strictly necessary to provide you with a safe and quality service. Sensitive information such as identification documents is collected solely for identity verification (KYC) and legal compliance purposes.

2 How We Use Your Data

Every piece of data collected by m99my is used for specific and legitimate purposes. The following are the primary purposes for which your personal data is used:

• Processing account registration and verifying your identity as a new member.
• Facilitating deposit and withdrawal transactions through your chosen payment method.
• Detecting and preventing fraud, money laundering, and activities that violate platform terms.
• Providing personalized and effective customer support via live chat or other channels.
• Sending account-related communications such as transaction notifications, security updates, and promotional information (subject to your preferences).
• Analyzing platform usage patterns to improve the overall user experience.
• Complying with legal requirements, regulations, and directives from relevant regulatory bodies.

3 Sharing Information with Third Parties

M99my does not sell or rent your personal data to any third party. However, in certain limited situations, we may share your information with the following parties:

• Payment Processors: Required financial information is shared with trusted payment processors such as FPX, DuitNow, TNG eWallet, and other providers to facilitate your transactions.
• Technology Providers: Technical service providers that support platform operations, including server hosting and fraud detection systems, are bound by strict confidentiality agreements.
• Regulatory Bodies & Law Enforcement: Where required by law or a valid court order, m99my will disclose the necessary information to the relevant authorities.
• Identity Verification Providers: Third-party services that assist with the KYC process to verify the identity of new members in compliance with anti-money laundering requirements.

Every third party we work with is required to adhere to data protection standards as stringent as m99my's own internal standards. We do not permit any data sharing for marketing purposes without your consent.

4 Data Security Measures

Protecting your personal data from unauthorized access, loss, or misuse is a core responsibility of m99my. We implement a range of technical and organizational security measures:

• Data encryption in transit using TLS 1.3 and 256-bit SSL protocols.
• Data encryption at rest for all sensitive personal and financial information.
• Role-based access control ensuring only authorized personnel can access specific data.
• 24/7 system monitoring with anomaly detection and automated alert systems.
• Regular security audits and independent penetration testing.
• Mandatory information security training for all staff who handle member data.
• Regular data backup procedures to ensure continuity of service.

5 Cookies & Tracking Technologies

M99my uses cookies and similar tracking technologies to enhance your experience on our platform. The following are the types of cookies we use:

• Essential Cookies: Required for core platform functions such as login sessions and security. These cookies cannot be disabled.
• Performance Cookies: Collecting statistical data on how you use the platform to help us improve our services. Data is collected anonymously.
• Functionality Cookies: Saving your preferences such as language, region, and display settings to deliver a more personalized experience.
• Analytics Cookies: Used to understand traffic patterns and website usage for the purpose of continuous platform improvement.

You can manage your cookie settings through your web browser at any time. Please note that disabling certain cookies may affect the functionality of the m99my platform.

6 Your Privacy Rights

As an m99my member, you have the following rights regarding your personal data, in accordance with the Malaysia Personal Data Protection Act (PDPA):

7 Data Retention Period

M99my retains your personal data for as long as your account is active or as long as necessary to provide services to you. Following account closure, certain data categories may be retained for a specified period based on legal requirements:

• Financial transaction records are retained for a minimum of 7 years in accordance with Malaysia's tax and anti-money laundering legal requirements.
• Identity verification documents (KYC) are retained for 5 years after account closure to meet compliance requirements.
• Customer support communication logs are retained for 3 years for reference and service improvement.
• Technical data and system logs are retained for 1 year, then automatically deleted or anonymised.

Upon expiry of the stipulated retention period, your data will be securely deleted or anonymized in accordance with m99my's established data deletion procedures.

8 Children's Privacy

The m99my platform is strictly for individuals aged 18 and above. We do not knowingly collect, store, or process any personal data from individuals under the age of 18.

If we determine that personal data of an individual under the age of 18 has been collected unintentionally, we will take immediate steps to delete that data and close the relevant account. Parents or guardians who discover that their child has registered on this platform are requested to contact our support team immediately.

9 Links to External Sites

The m99my platform may contain links to third-party websites or services for informational convenience. This Privacy Policy applies solely to the m99my platform. We are not responsible for the privacy practices or content of any external websites you may access through those links.

We encourage you to read the privacy policy of every external website you visit. m99my has no control over how third-party websites collect or use your data after you leave our platform.

10 Contact Us About Privacy

If you have any questions, concerns, or complaints regarding this Privacy Policy or how we handle your personal data, please contact our team through the following channels:

• Live chat on the m99my platform – available 24 hours a day, 7 days a week.
• Support email: [email protected]
• For formal privacy-related complaints, please include "Privacy Complaint" in the subject line of your message.

We are committed to responding to all privacy-related enquiries within 5 business days. For more complex cases requiring in-depth investigation, we will inform you of a more precise timeframe.