Mbi98 | Privacy Policy

This Privacy Policy explains how mbi98 (mbi98.org) collects, stores, uses, and protects your personal information when you use our platform. We take your data privacy seriously and are committed to handling it responsibly at all times.

By using mbi98 services, you agree to the data protection practices described in this document. If you do not agree with any part of this Privacy Policy, we advise you to discontinue use of our platform.

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

We only collect information that is strictly necessary to operate the platform and fulfil applicable legal requirements.

Your personal information is collected through the following channels when you interact with the mbi98 platform:

• Account registration form – when you sign up as a new mbi98 member.
• Identity verification process (KYC) — when you submit verification documents.
• Financial transactions – when you make a deposit or withdrawal.
• Reach our support team via Live Chat or email.
• Automatic platform usage data collected via cookies, tracking pixels, and server log files.
• Profile updates you make yourself via your account settings.

The information we collect is used exclusively for legitimate purposes related to the operation of the mbi98 platform. The following are the primary purposes for which your data is used:

• Create and manage your member account on the mbi98 platform.
• Process deposits, withdrawals, and all financial transactions securely.
• Conduct identity verification (KYC) and legal compliance checks.
• Provide responsive and effective customer support.
• Send promotional information, bonuses, and exclusive offers — only if you have consented to receive marketing communications.
• Detect and prevent fraudulent activity, money laundering, and violations of terms of use.
• Continuously improve mbi98 platform products, features, and user experience.
• Fulfil legal obligations, regulations, and directives from competent authorities.

Mbi98 does not sell or rent your personal data to any third party. However, there are limited situations where we need to share information with specific parties for legitimate operational purposes:

• Payment service providers – to securely process your deposit and withdrawal transactions.
• Game software providers – the minimum information needed to verify account status for gaming purposes.
• Competent authorities – when required by law, court order, or official investigation.
• Technical service providers – such as cloud computing services that help us operate the platform, subject to strict data protection agreements.

All third parties we work with are required to comply with data protection standards equivalent to or higher than our own.

Mbi98 implements comprehensive technical and organisational security measures to protect your personal data from unauthorised access, loss, or accidental disclosure.

• 256-bit SSL encryption for all data communications between the platform and users.
• Two-factor authentication (2FA) for an extra layer of security during login.
• 24-hour real-time server monitoring to detect cyber threats.
• Strict internal access controls – only authorised personnel may access member data.
• Regular security audits by independent experts to identify and address any vulnerabilities.
• A comprehensive incident response plan in the event of a data breach.

While we take all reasonable steps to protect your data, no system is 100% secure against all threats. You also play an important role by keeping your account password confidential and not sharing it with anyone.

As an mbi98 member, you have the following rights regarding your personal data under Malaysia's Personal Data Protection Act 2010 (PDPA):

The mbi98 platform uses cookies and similar technologies to enhance the user experience and ensure smooth platform functionality. The following are the types of cookies we use:

• Essential Cookies: Required for core platform functions such as login and session security. This cannot be disabled.
• Preference Cookies: Save your preferences such as language and display layout for a more personalised experience.
• Analytics Cookies: Help us understand how users interact with the platform for continuous improvement.
• Security Cookies: Used to detect and prevent fraudulent activity and to protect your account.

You can manage or disable non-essential cookies through your browser settings. Please note that disabling certain cookies may affect the functionality of the mbi98 platform.

Mbi98 retains your personal data for as long as necessary to fulfil the purposes stated in this Privacy Policy, or as required by applicable law.

• Active account data – retained for as long as your account remains active.
• Financial transaction data – retained for a minimum of seven years in accordance with Malaysia's financial regulatory requirements.
• KYC records and identity verification — retained for five years after account closure.
• Customer support communication logs – retained for three years for reference and service quality purposes.
• Technical log data – typically retained for 90 days before being automatically deleted.

After the relevant retention period has ended, your data will be securely deleted or anonymised in accordance with our procedures.

Mbi98 reserves the right to update or modify this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or new platform features.

You will be notified of any material changes through:

• In-platform notifications when you log in to your account.
• A notification email will be sent to your registered email address.
• An updated "Last Updated" date displayed at the top of this page.

Continued use of the mbi98 platform after the effective date of any changes constitutes your acceptance of the updated Privacy Policy. If you do not agree with the changes, please discontinue use of the platform and contact us to close your account.