Mbi98 Privacy Policy — Malaysian Member Personal Data Protection

1Introduction

Mbi98 ("we", "Platform" or "mbi98") values the trust placed by every member when they share their personal information with us. This Privacy Policy is established to provide full transparency on how we handle your personal data with the highest level of responsibility and integrity.

We understand that privacy is not merely a legal obligation — it is a fundamental right of every individual. Therefore, mbi98 takes a proactive approach to protecting members' personal information by employing the latest security technologies and industry best practices.

This Privacy Policy applies to all information collected through the mbi98 website, mobile applications for Android and iOS, and all related services we provide to registered members. By continuing to use the mbi98 platform, you confirm that you have read and fully understood this Privacy Policy.

2Information We Collect

Mbi98 collects two main categories of information — information you provide directly to us, and information collected automatically when you use our platform.

Information you provide directly:

• Full name as it appears on official identity documents.
• Active email address and mobile phone number.
• Date of birth for 18+ age verification.
• Bank account or e-wallet details for processing deposits and withdrawals.
• Identity documents such as a national ID card, passport, or driving licence for the KYC process.
• Proof of address such as a recent utility bill or bank statement.
• Any information you share when contacting our customer support team.

Information collected automatically:

• Your device's IP address and general location data.
• Device type, operating system, and browser version used.
• Platform activity data including games played, total wagering amounts, and session duration.
• Cookie data and similar tracking technologies.
• Access logs and financial transaction records.

3How Your Data Is Used

Mbi98 uses collected personal data solely for legitimate and necessary purposes to deliver the best service to members. The following are the primary purposes for which your data is used:

• Account management: Securely creating, verifying, and managing your member account.
• Transaction processing: Handling all deposits, withdrawals, and other financial activities accurately and securely.
• KYC verification: Verifying member identity to comply with anti-money laundering legal requirements.
• Platform security: Detecting and preventing fraud, unauthorized access, and suspicious activities.
• Service improvement: Analyzing usage patterns to improve the gaming experience and platform performance.
• Communication: Sending important account notifications, promotions you have opted in to receive, and policy updates.
• Responsible gaming: Monitoring gameplay patterns to identify members who may need assistance with their playing habits.
• Legal compliance: Complying with legal obligations and responding to requests from legitimate authorities.

4Data Sharing & Disclosure

Mbi98 does not sell or transfer member personal data to third parties for their own marketing purposes. However, there are specific situations where we need to share member information with parties involved in the operation of our platform:

• Payment service providers: Approved payment processors that assist in handling member deposits and withdrawals securely.
• Game providers: Game development companies that require access to certain session data to ensure games run correctly.
• Identity verification service: Trusted third-party KYC service providers for verifying member identity documents.
• Competent authority: Law enforcement agencies, courts, or regulatory bodies when required by law.
• Trusted business partners: Entities involved in our platform operations that are bound by strict confidentiality agreements.

All third parties receiving mbi98 member data are required to comply with strict data protection standards and may only use such information for agreed purposes.

5Data Security

Mbi98 continuously invests in the latest security technologies and procedures to ensure member personal data remains protected against unauthorized access, alteration, disclosure, or deletion.

Key security measures we use include:

• End-to-end encryption: All data communications between your device and the mbi98 platform are secured with the latest TLS 1.3 encryption protocol.
• Two-factor authentication (2FA): An additional security layer available to all member accounts to prevent unauthorized access.
• 24/7 Monitoring: A round-the-clock security monitoring system that detects suspicious activity in real time.
• Internal access controls: Only authorised mbi98 staff have access to members' personal data, and only to the extent necessary for their duties.
• Regular security audits: Regular security audits by independent experts to identify and patch any system vulnerabilities.
• Secure data backup: Member data is regularly backed up to separate locations with equally stringent security controls.

6Cookies & Tracking Technology

Mbi98 uses cookies and similar tracking technologies to enhance your experience on our platform. Cookies are small files stored on your device when you visit our website.

We use several types of cookies:

• Essential cookies: Required for basic platform functions such as login and session security. These cookies cannot be disabled.
• Performance cookies: Collecting information on how you use the platform to help us improve our services. This data is collected anonymously.
• Functional cookies: Remembering your preferences such as language, time zone, and display settings for a more personalized experience.
• Analytics cookies: Helping us understand overall platform traffic and usage patterns for continuous improvement purposes.

You can manage your cookie settings through your browser at any time. Please note that disabling certain cookies may affect the functionality of the mbi98 platform.

7Your Rights as a Member

Mbi98 fully respects your rights over your personal data. As a member, you have the following rights, which you may exercise at any time:

8Data Retention

Mbi98 retains member personal data only for as long as necessary to fulfil the original purpose of collection or to comply with applicable legal obligations.

In general, our data retention principles are as follows:

• Active account data is retained for the duration of membership while the account remains in active use.
• After account closure, financial and identity records are retained for 7 years to meet audit, financial legislation, and anti-money laundering requirements.
• Log and technical data is retained for 12 months for security and investigation purposes.
• Communication records with the support team are retained for 3 years.
• Upon expiry of the retention period, data will be securely deleted using methods that ensure no possibility of data recovery.

9Children's Privacy

The mbi98 platform is exclusively for individuals aged 18 years and above only. We do not knowingly collect personal data from children or underage individuals.

If we find that personal data has been collected from individuals under 18 years of age without proper verification, we will immediately take the following steps:

• Suspending the account in question immediately pending completion of the investigation.
• Removing all personal data associated with that individual from our systems.
• Declining and returning any related deposits.
• Reporting the incident to the relevant authorities where required.

10Privacy Policy Amendments

Mbi98 reserves the right to amend this Privacy Policy from time to time to reflect changes in our business practices, current legal requirements, or technological developments that necessitate policy updates.

• Any material amendments to this Privacy Policy will be communicated to members via in-platform notifications or email at least 14 days before taking effect.
• The "Updated" date at the top of this page will always reflect the latest version of the Privacy Policy.
• Continued use of the mbi98 platform after any amendments take effect will be considered acceptance of the updated policy.
• If you disagree with the amendments made, you have the right to close your account and request data deletion before the new policy takes effect.

11Contact Us

If you have any questions, concerns, or complaints regarding this Privacy Policy or how mbi98 handles your personal data, our team is available to assist you 24 hours a day, 7 days a week.

You may contact us via:

• Support email: [email protected]
• Live Chat: Available at the bottom right corner of the mbi98 platform at any time.
• Help Centre: Visit page FAQ us for answers to frequently asked questions about privacy.

We are committed to responding to all privacy-related enquiries within 3 working days. For issues requiring further investigation, we will keep you informed of the case progress within the stipulated timeframe.