Privacy Policy Arai99 — Malaysian User Data & Privacy Protection

When you register and use the arai99 platform, we collect various types of information to ensure our services run smoothly, securely, and in line with your needs. This data collection is necessary to process financial transactions, verify your identity, and comply with applicable legal requirements.

The personal data we collect is used specifically for the following purposes and nothing beyond that:

• Account management — Creating and maintaining your account, processing registration, and verifying login.
• Financial transaction processing — Processing deposits, withdrawals, and fund transfers safely and accurately using your bank or digital wallet information.
• Identity verification (KYC) — Ensuring every user is a real individual and meets the platform's minimum age requirement.
• Fraud prevention and security — Detecting and investigating any suspicious activity, multi-account use, or fraud attempts.
• Service communications — Sending account-related notifications, system updates, and customer support responses.
• Platform improvements — Analyzing usage patterns in aggregate (without identifying individuals) to improve arai99 service quality.
• Legal compliance — Meeting the reporting and compliance obligations required by the relevant authorities.

We do not use your data for third-party marketing, commercial profiling, or any activities unrelated to the operation of the arai99 platform.

The arai99 platform uses cookies and similar tracking technologies to ensure a better and more secure user experience. Cookies are small text files stored on your device as you browse our website.

The types of cookies we use are as follows:

• Session Cookies — A temporary cookie that keeps you logged in during the current session. It is automatically deleted when you close your browser.
• Preference Cookies — Saving your language preferences and display settings for a more personalized experience.
• Security Cookies — Helping identify and prevent unauthorized access to your account.
• Analytics Cookies — Collecting anonymized usage statistics to help us understand how users interact with the platform.

You can control or disable cookies through your browser settings. Please note that disabling certain cookies may affect the functionality and security of your arai99 account.

Arai99 takes a highly cautious approach to data sharing. As a general principle, we do not share your personal data with any third parties except in the following limited situations:

• Payment service providers — Information required to process your financial transactions is shared with approved payment providers such as local banks, DuitNow, and digital wallet providers registered in Malaysia.
• Technology service providers — We use cloud service providers and technical infrastructure bound by strict confidentiality agreements.
• Legal obligations — In situations where we are required by law or court order to disclose information to the relevant authorities.
• Fraud prevention — In cases involving serious fraud investigations or money laundering, relevant information may be shared with the appropriate authorities.

Arai99 continuously invests in security infrastructure to keep your data protected at all times. The following security layers are in place:

• 256-bit SSL encryption on all communications between your device and our servers.
• Data-at-rest encryption for sensitive information stored in our databases.
• Two-factor authentication (2FA) available to all accounts as an additional layer of protection.
• 24/7 security monitoring by our cybersecurity team to detect any real-time threats.
• Regular security audits by independent third parties to ensure our systems meet the latest standards.
• Role-based access control — only authorized personnel with a legitimate operational need may access user data.

While we take all reasonable steps to protect your data, no security system can be guaranteed 100% safe. You also play an important role in protecting your account — never share your password and keep your device always up to date.

As an arai99 platform user, you have the following rights regarding your personal data that we hold:

Arai99 retains your personal data for as long as your account is active and for the period necessary to fulfil the processing purposes stated in this policy. After account closure, we may still need to retain certain data for the period required by law.

The general data retention guidelines are as follows:

• Financial transaction records — Retained for a minimum of 7 years in accordance with financial compliance legal requirements.
• Identity verification (KYC) records — Retained for 5 years after account closure or the end of the business relationship.
• Customer support communication logs — Retained for 3 years for reference and dispute resolution purposes.
• Technical data and security logs — Retained for 12–24 months for security investigation purposes.

Once the defined retention period has expired, your data will be securely deleted in accordance with industry-standard procedures.

The arai99 platform is exclusively for individuals who are of age 18 years and above. We do not knowingly collect any personal information from minors.

If you believe that someone under the age of 18 has registered on our platform or has provided us with their personal information, please contact our support team immediately. We will investigate and delete the account and related information promptly.

Arai99 reserves the right to modify or update this Privacy Policy from time to time to reflect changes in our privacy practices, new legal requirements, or service improvements. Any material changes will be communicated to you via:

• In-platform notification upon your next login.
• Update the "Last Updated" date at the top of this page.
• Email to the address registered with your account (for significant changes).

We recommend checking this page periodically. Your continued use of the arai99 platform after any policy changes take effect will be considered your acceptance of those changes.

If you have any questions, concerns, or complaints regarding how arai99 handles your personal data, our team is ready to assist. We are committed to addressing every inquiry seriously and in a timely manner.

You can reach us through the following channels:

• In-Platform Live Chat — The fastest method, available 24 hours a day, 7 days a week.
• Support Email — [email protected] (response time: under 24 hours on business days).

When contacting us regarding a privacy request, please include your full name, account number (if applicable), and a clear description of your request or concern. This helps us process your request more quickly and accurately.