Privacy Policy Club98 —
Malaysian User Data Protection

1. Introduction

Club98 ("we", "Platform", or "company") is committed to protecting the privacy of all users who access the platform at club98.vip. This Privacy Policy explains in detail how we collect, use, disclose, and protect your personal information in accordance with Malaysia's Personal Data Protection Act 2010 (PDPA).

By registering and using the Club98 platform, you agree that we may process your personal data as described in this document. If you disagree with any part of this Privacy Policy, please discontinue use of the platform and contact us to close your account.

2. Personal Data We Collect

Club98 collects several categories of information depending on how you interact with our platform. The following are the types of data we collect:

Data Category	Example Information	Purpose of Collection
Identity Information	Full name, date of birth, identification card number	Account verification (KYC), fraud prevention
Contact Information	Phone number, email address	Account communications, transaction notifications
Financial Information	Bank account number, transaction records	Processing of deposits and withdrawals
Technical Data	IP address, device type, web browser	Account security, fraud detection
Activity Data	Wagering records, games played	Platform analytics, responsible gaming

We also collect information you provide voluntarily, such as feedback via live chat or customer satisfaction surveys. All such information is collected lawfully and with your consent.

3. How We Use Your Data

The personal data we collect is used solely for legitimate and relevant purposes. The following are the primary purposes for which Club98 uses your data:

• Account management — to create, verify and securely maintain your account.
• Transaction processing — to process deposits, withdrawals and any other financial transactions quickly and accurately.
• Identity verification (KYC) — to meet legal compliance requirements and prevent money laundering.
• Service communications — to send transaction notifications, account updates and important platform-related information.
• Relevant marketing — to inform you about the latest promotions and offers that may interest you, subject to your preferences.
• Platform security — to detect and prevent fraud, hacking and other security threats.
• Responsible gaming — to monitor wagering patterns and identify users who may need support.
• Service improvement — to analyse platform usage and continuously improve the user experience.

4. Data Sharing and Disclosure

Club98 does not sell your personal data to any party. However, we may share your information with certain parties under limited circumstances:

• Payment service providers — financial institutions and digital wallet providers that process your transactions, such as DuitNow, FPX, Touch 'n Go eWallet and GrabPay.
• Technology service providers — companies that provide the technical infrastructure, hosting and cybersecurity services for our platform.
• Anti-fraud agency — to verify identity and prevent fraudulent activity that could compromise the security of all users.
• Relevant authorities — when required by law or a valid court order.

All third parties we work with are bound by strict confidentiality and data protection agreements. They are only permitted to use your data for the specific purposes agreed upon with us.

5. Data Security

Club98 invests seriously in security technology and procedures to protect your personal data from unauthorised access, loss, or damage. The security measures we implement include:

• 256-bit SSL encryption for all data transmitted between your device and our servers.
• Passwords are stored using secure hashing algorithms — we do not store your password in plain text.
• Two-factor authentication (2FA) is available and recommended for all accounts.
• 24/7 system monitoring to detect suspicious activity in real time.
• Regular penetration testing and security audits conducted by independent security experts.
• Strict internal access controls — only authorised staff may access sensitive user data.

While we take all reasonable precautions, no security system can guarantee absolute protection. You also have a responsibility to keep your own password and devices secure.

6. Cookies and Tracking Technologies

The club98 platform uses cookies and similar tracking technologies to enhance user experience and platform security. The types of cookies we use include:

• Essential Cookies — required for core platform functions such as login verification and session security. These cookies cannot be disabled.
• Performance Cookies — collects information about how you use the platform to help us improve our services.
• Functional Cookies — remembers your preferences such as language and display settings to deliver a more personalised experience.
• Analytics Cookies — used to understand platform usage patterns in an aggregated and anonymised form.

You can manage cookie settings through your web browser. Please note that disabling certain cookies may affect platform functionality. Cookies do not contain your financial information.

7. Data Retention Period and Deletion

Club98 retains your personal data only for as long as necessary for the stated purposes or as required by Malaysian law. In general:

• Active account data is retained for the duration your account is active and for 5 years after account closure for legal compliance purposes.
• Financial transaction records are retained for a minimum of 7 years in accordance with Malaysian financial regulatory requirements.
• Customer communication logs are retained for 2 years for customer service and dispute resolution purposes.
• Anonymised analytics data may be retained for a longer period for research and development purposes.

When data is no longer needed, it will be securely deleted or anonymised using industry-approved methods.

8. Protection of Children's Data

The club98 platform is exclusively for users aged 18 years and above. We do not knowingly collect or process personal data from minors. If we discover that a child's data has been collected without parental or guardian consent, we will immediately delete that data and close the associated account.

If you believe your child or a minor has registered on our platform, please contact our customer support team immediately via live chat.

9. Exercising Your Rights

To exercise any of the rights outlined in this policy, you may reach our privacy team via live chat on the club98 app or website, available 24 hours a day, 7 days a week. When submitting a request, please provide the following information to help us process it faster:

• Your club98 account username or email.
• The type of request you wish to make (access, rectification, erasure, etc.).
• The specific data details relevant to your request.

We will endeavour to process your request within 14 working days. For more complex cases, we will notify you and provide an estimated timeframe for resolution.

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 any of the following channels:

• Live Chat — available 24/7 directly via the club98 website or app.
• Email — [email protected] (response within 1–2 business days).

We value every piece of feedback and will do our utmost to handle every enquiry seriously and professionally. Your privacy is our priority, and we are committed to ensuring your data is always protected to the highest standards.