Privacy Policy bk95 — Your Personal Data Protection

Bk95 ("we", "Platform") is committed to protecting the privacy and security of the personal data of all members and visitors to our website at bk95.vin. This Privacy Policy explains in detail how we collect, process, store, and protect your personal information in accordance with Malaysia's Personal Data Protection Act 2010 (PDPA) and international best practices in data protection.

This document applies to all users accessing the bk95 platform, whether through the website bk95.vin or the bk95 mobile app for iOS and Android. By registering an account or continuing to use our platform, you acknowledge that you have read and fully understood this policy.

We encourage you to review this Privacy Policy from time to time as it may be updated to reflect changes in our privacy practices, legal requirements, or improvements to the bk95 platform services.

Bk95 collects various categories of personal data depending on how you interact with our platform. Below is a summary of the types of data we may collect:

We only collect data that is strictly necessary for the stated purposes. You are not required to provide any optional information, however certain platform features may not function fully without specific details such as KYC verification for withdrawal processing.

Personal data collected by bk95 is used solely for lawful purposes that have been communicated to you. Our use of data includes the following:

• Account management: To create, verify, and maintain your member account, including the mandatory KYC verification process;
• Transaction processing: To process deposits, withdrawals, and any other financial transactions related to your account securely and accurately;
• Platform security: To detect, investigate, and prevent fraudulent activity, money laundering, multi-account usage, and other security threats;
• Service communications: To send important account-related notifications, policy updates, security alerts, and transaction information;
• Experience enhancement: To analyze aggregated usage patterns to enhance the functionality, design, and performance of the bk95 platform;
• Legal compliance: To fulfill applicable legal and regulatory obligations, including reporting to relevant authorities when required;
• Customer support: To handle member inquiries, complaints, and assistance requests more effectively.

Bk95 does not sell or disclose members' personal data to third parties for commercial marketing purposes. However, in certain limited situations, we may share your information with the following parties:

• Payment service provider: Information required to process deposits and withdrawals is shared with payment gateway providers and banking institutions partnered with bk95. All such providers are bound by strict confidentiality agreements;
• Identity verification provider: For KYC purposes, your identity information may be verified through an authorized third-party verification system;
• Regulatory authority: bk95 will disclose the required information to government authorities or law enforcement agencies when lawfully required to do so via a valid court order or regulatory directive;
• Platform technology provider: Technical partners supporting the bk95 platform infrastructure may have limited access to data for technical support purposes only, subject to binding data protection agreements.

In all data sharing situations, bk95 ensures that the receiving party adheres to data protection standards equivalent to or higher than those we ourselves maintain.

Bk95 continuously invests in security infrastructure to ensure that members' personal data is protected at all times. The key security measures we employ include:

• 256-bit SSL/TLS encryption for all data in transit between your device and bk95 servers;
• Encryption of sensitive data stored in databases using industry-standard encryption algorithms;
• Role-based access control (RBAC) ensuring only authorized personnel can access specific data;
• 24/7 security monitoring with an automated intrusion detection system;
• Regular security testing by independent external auditors and scheduled penetration testing;
• A clear incident response procedure to address any data breaches promptly and effectively;
• Two-factor authentication (2FA) is available for all member accounts as an additional security layer.

The bk95 website uses cookies and similar tracking technologies to enhance the user experience and ensure the platform runs smoothly. Cookies are small text files stored on your device when you visit our website.

Bk95 uses several types of cookies:

• Essential cookies: Required for core platform functions such as login session verification and security. These cookies cannot be disabled without affecting platform functionality;
• Performance cookies: To collect aggregated and anonymized information about how visitors use our website to help us improve platform performance;
• Functional cookies: To remember your preferences and settings such as preferred language and display options, providing a more personalized experience;
• Analytics cookies: Helps us understand overall navigation patterns and platform usage for continuous improvement purposes.

You can manage or delete cookies through your browser settings at any time. Please note that disabling certain cookies may affect the functionality of the bk95 platform.

As a bk95 member, you have certain rights regarding your personal data under Malaysia's PDPA. We fully respect these rights and provide straightforward mechanisms for you to exercise them:

• Right of access: You have the right to request a copy of the personal data we hold in relation to your account. Such requests will be processed within 14 business days;
• Right to rectification: If you find that any personal data we hold about you is inaccurate or out of date, you have the right to request that we correct it;
• Right to erasure: You may request the deletion of your personal data, subject to our legal obligations to retain certain records for a specified period;
• Right to withdraw consent: Where data processing is based on your consent, you have the right to withdraw that consent at any time without affecting the validity of any processing carried out prior to withdrawal;
• Right to object: You have the right to object to the processing of your personal data for specific purposes such as direct marketing.

To exercise any of the above rights, please contact the bk95 customer support team via live chat on the platform. We will handle your request with care and respond within a reasonable timeframe.

Bk95 retains your personal data only for as long as necessary to fulfil the purpose for which it was collected, or as required by applicable laws and regulatory obligations. The following are our general data retention guidelines:

• Active account data: Retained for the duration the account remains active and for 5 years after account closure for AML compliance purposes;
• Financial transaction records: Retained for a minimum of 6 years in accordance with applicable financial legal requirements;
• Customer support communication logs: Retained for 2 years for reference and service improvement purposes;
• Technical and security log data: Retained for 12 months for security incident investigation purposes;
• Analytics cookie data: Retained for a maximum of 13 months depending on cookie type.

When data is no longer needed and there is no legal obligation to retain it, bk95 will securely delete or anonymize that data using industry-recognized methods.

The bk95 platform may contain references or links to third-party services such as game providers, payment platforms, and other service providers integrated with our platform. This Privacy Policy applies only to data collected and processed directly by bk95.

We are not responsible for the privacy practices or content of such third-party websites or services. We recommend reading their respective privacy policies before engaging with their services. bk95 makes no guarantees regarding the data protection practices of third parties in connection with our platform.

If you have any questions, concerns, or requests regarding this Privacy Policy or how bk95 handles your personal data, our privacy team is ready to assist you.

You can reach us through the following methods:

• Live Chat: The fastest method — available 24 hours a day, 7 days a week, directly within the bk95 platform;
• Email: [email protected] — we will respond within 2 business days;
• FAQ Section: Visit page FAQ us for answers to the most frequently asked questions about privacy and account security.