99ply Privacy Policy

Personal Information We Collect

When you register or use the 99ply platform, we may collect various types of personal information depending on the activities you carry out. This information is collected directly from you or automatically through your use of the platform.

Information you provide directly:

• Full name, date of birth and identification card number (MyKad) or passport for identity verification purposes
• Email address, mobile phone number and mailing address
• Encrypted account password and security questions
• Payment method information such as e-wallet details and bank account numbers for deposits and withdrawals
• Any supporting documents submitted during the KYC (Know Your Customer) process

Information collected automatically:

• IP address, browser type, operating system and device information
• Activity log data including pages visited, access times and actions taken within the platform
• General geolocation data based on IP address for regulatory compliance purposes
• Cookie data and similar identifiers as described in Section 6

Purpose of Personal Information Use

99ply uses the information collected solely for legitimate purposes related to platform operations. We do not process your data beyond the scope stated in this policy without your consent.

• Identity verification and account registration — to ensure every user is a valid individual aged 21 and above
• Financial transaction processing — to handle deposits, withdrawals and payment record checks via Touch 'n Go eWallet, DuitNow, FPX, Boost and cryptocurrency
• Legal and regulatory compliance — to meet AML, KYC and reporting requirements to relevant authorities when required by law
• Customer service delivery — to enable our support team to assist you effectively via live chat and email
• Service communications — to send important notifications regarding your account, transactions and policy updates
• Platform improvement — to analyse aggregated usage patterns to improve service quality
• Fraud prevention — to detect and investigate suspicious activity to protect the security of all users

Disclosure of Information to Third Parties

99ply does not sell or rent your personal information to any third party. However, in certain circumstances, we may share your information with the following parties:

• Payment service providers — to process your deposit and withdrawal transactions securely. These parties are bound by strict confidentiality agreements
• Technology service providers — including hosting platforms, cloud computing and analytics services that support 99ply's technical operations
• Regulatory bodies and law enforcement — when required by applicable law, court order or official investigation
• Affiliated companies or business successors — in the event of a merger, acquisition or business asset transfer, where users will be notified in advance

Information Security Measures

99ply implements appropriate technical and organisational measures to protect your personal information from unauthorised access, loss, misuse or accidental disclosure.

• Data encryption during transmission using industry-standard 256-bit SSL/TLS protocol
• Encryption of data at rest for sensitive information stored in our database
• Strict role-based access controls for internal staff, with only the minimum access necessary
• Security audits and penetration tests conducted regularly by independent security experts
• Clear incident response procedures to address any data breach quickly and effectively
• Two-factor authentication available to enhance user account security

Although we take all reasonable precautions, no security system can guarantee absolute protection. We encourage you to also keep your account password secure and not share it with anyone.

User Rights Regarding Personal Data

As a 99ply user, you have certain rights regarding the personal information we hold. These rights can be exercised at any time by contacting our support team.

• Right of access — to obtain a copy of the personal information we hold about you
• Right to rectification — request correction of inaccurate or incomplete data
• Right to erasure — request deletion of your personal data subject to legal retention requirements
• Right to restriction of processing — request that we limit the processing of your data in certain circumstances
• Right to data portability — receive a copy of your data in a machine-readable format
• Right to object — object to the processing of your data for specific purposes such as direct marketing

Use of Cookies and Tracking Technologies

99ply uses cookies and similar tracking technologies to improve platform functionality and user experience. Cookies are small text files stored on your device when you visit our website.

Types of cookies we use:

• Essential cookies — required for basic platform operations such as login authentication and session security. These cannot be disabled
• Preference cookies — store your chosen settings such as language and display theme
• Analytics cookies — help us understand how users interact with the platform for ongoing improvements
• Security cookies — help detect and prevent fraudulent activity and protect your account

You can manage or delete cookies through your browser settings. Please note that disabling certain cookies may affect the functionality of some parts of our platform.

Cross-Border Data Transfers

As an online platform operating under international licensing, your personal information may be transferred, stored or processed in countries other than Malaysia. Such transfers are only carried out where necessary for service operations and with adequate protection safeguards in place.

We ensure that any cross-border data transfer complies with applicable requirements, including the use of standard contractual clauses or recognised protection mechanisms. Your information will not be transferred to countries that do not provide an equivalent level of data protection.

Personal Data Retention Period

99ply retains your personal information only for as long as necessary to fulfil the purposes stated in this policy, or as required by applicable laws and regulations.

• Active account information is retained for as long as your account remains active on our platform
• Financial transaction records are retained in accordance with applicable tax and financial legal requirements
• Customer support communication logs are retained for the period required to ensure continuity of service
• Following account closure, personal data will be deleted or anonymised within a reasonable period, except where retention is required by law

Amendments to This Privacy Policy

99ply reserves the right to update or amend this Privacy Policy from time to time to reflect changes in our practices, legal requirements or operational needs. We will notify you of any significant changes via in-platform notifications or your registered email.

The latest version of the Privacy Policy will always be available on this page with an updated effective date. Continued use of the 99ply platform after any amendment constitutes your acceptance of those changes. We encourage you to review this page periodically.

Contacting Us About Privacy

If you have any questions, concerns or requests regarding this Privacy Policy or the processing of your personal information, you are welcome to contact the 99ply support team.

Our support team operates 24/7 and is ready to assist with your enquiries in Malay and English through the following channels:

• Live chat available directly within the 99ply platform
• Support email: [email protected]

We aim to respond to all privacy-related enquiries accurately and in good faith. For formal requests regarding your data rights, please clearly state the type of request and your account information when contacting us.