mrat88 Privacy Policy

1. Information We Collect

In operating our services, mrat88 collects several categories of information from users:

a) Account Registration Information

• Full name as stated on your identity card (MyKad) or passport
• Date of birth for age verification (21 years and above)
• A valid and active email address
• Mobile phone number in Malaysian format
• Username and password chosen during registration

b) Financial and Payment Information

• Touch 'n Go eWallet details linked to your account
• DuitNow information to facilitate money transfers
• Bank account information for FPX (online banking) transactions
• Crypto wallet address for USDT, BTC or ETH transactions
• Records of all deposit and withdrawal transactions

c) Technical Information

• IP address and device location (based on IP)
• Browser type and operating system in use
• Login and logout session data
• Game activity records and betting history

d) Identity Verification Information (KYC)

To meet licensing requirements and prevent money laundering (AML), we may require copies of documents such as:

• Front and back image of a valid MyKad or passport
• Latest bank statement or e-wallet account statement as proof of address
• Selfie with your identity document when required

2. Purpose of Data Use

Information collected is used solely for purposes related to the operation of the mrat88 platform, including:

• Account management — creating, verifying, maintaining and securing your member account
• Transaction processing — handling deposits, withdrawals and bonuses accurately and securely
• Customer support — enabling our support team to assist you effectively via live chat and email
• Platform security — detecting fraud, unauthorised access and suspicious activity
• Legal compliance — fulfilling legal obligations under the international licensing framework we operate under
• Service communications — sending important information about your account, policy changes and relevant promotions
• Service improvement — analysing overall usage patterns to improve the user experience

3. Sharing Information With Third Parties

mrat88 does not share, sell or disclose your personal information to any third party for commercial purposes. However, there are limited situations where disclosure may occur due to operational or legal requirements:

• Payment service providers — transaction processors for Touch 'n Go, DuitNow, FPX and crypto networks receive the minimum information needed to complete transactions
• Game software providers — game session data required for technical purposes and game fairness auditing
• Licensing and regulatory bodies — when required by the conditions of our international licence
• Law enforcement — when ordered by a valid court order or official investigation by the relevant authorities

All third parties involved in data processing are bound by strict confidentiality agreements and are not permitted to use your information for any purpose other than those stated.

4. Cookies and Tracking Technologies

The mrat88 website uses cookies and similar technologies to ensure the platform's core functions run smoothly and to improve your experience. The following are the types of cookies we use:

• Essential cookies — required for core functions such as login session verification and security. Cannot be disabled.
• Performance cookies — help us understand how users interact with the website for internal improvement purposes
• Preference cookies — save your settings such as language and display preferences so you do not need to reset them each time

You can manage or disable non-essential cookies through your browser settings. Please note that disabling essential cookies may affect your ability to log in and use your mrat88 account fully.

5. Data Security Measures

We continuously invest in cybersecurity infrastructure to keep your information protected. The measures we implement include:

• 256-bit SSL encryption for all data communications between browser and server
• Role-based access controls — only authorised staff may access sensitive data
• Regular security audits by independent parties
• 24/7 monitoring systems to detect unusual activity or intrusion attempts
• Two-factor authentication (2FA) procedures available to protect your account
• Password storage using one-way hashing methods that cannot be reversed

6. Data Retention Period

mrat88 retains your personal information for as long as your account is active and for the period after account closure required by legal and licensing regulations. In general:

• Financial transaction records are retained in accordance with applicable anti-money laundering (AML) regulatory requirements
• Platform activity logs are kept for the period required for audit and security purposes
• Account information data for closed accounts is retained for the stipulated period before being permanently deleted

Once the retention period ends, data will be permanently deleted or anonymised so it can no longer be linked to any individual.

7. Your Rights as a Data Subject

As a mrat88 user, you have the following rights regarding your personal data:

• Right of access — request a copy of the personal information we hold about you
• Right to rectification — request correction if any of your information is inaccurate or outdated
• Right to erasure — request deletion of your data, subject to applicable legal retention obligations
• Right to restriction of processing — request that we limit how your data is used in certain situations
• Right to data portability — receive your data in a machine-readable format where applicable
• Right to object — object to the processing of your data for specific purposes such as direct marketing

To exercise any of these rights, please contact our customer support team via live chat or email at [email protected]. Requests will be processed accordingly within a reasonable timeframe.

8. Payments and Identity Verification (KYC)

To ensure the security of financial transactions and comply with international licensing requirements, mrat88 carries out a Know Your Customer (KYC) process. This process may require you to submit identity verification documents before or during the processing of withdrawals.

Our platform supports the following payment methods, all with a minimum deposit and withdrawal limit of RM50:

• Touch 'n Go eWallet — the most widely used local e-wallet in Malaysia
• DuitNow — Malaysia's instant fund transfer system
• FPX (Online Banking) — supports most major local banks
• Cryptocurrency — USDT, BTC and ETH accepted for greater privacy and flexibility

Your payment information is stored under strict PCI-DSS security standards. We do not store credit or debit card information directly on our servers.

9. Child Protection and Age Restrictions

mrat88 strictly prohibits anyone under the age of 21 from registering an account or using any of our gambling services. Our KYC process includes age verification to ensure compliance with this policy.

If you have reason to believe that an underage individual has registered on our platform, please contact us immediately at [email protected] so that prompt action can be taken.

10. Changes to This Privacy Policy

mrat88 reserves the right to update or modify this Privacy Policy from time to time. Any significant changes will be communicated to registered users via email or in-platform notifications.

It is your responsibility to review this Privacy Policy periodically. The date of the last update is always shown at the top of this document. Your continued use of mrat88 services after any changes are published will be considered your acceptance of the latest version of this policy.

11. Contact Us About Privacy

For any questions, concerns or requests regarding this Privacy Policy or how we handle your personal data, you may reach our privacy team through:

• Email: [email protected]
• Live Chat: Available 24/7 via the chat icon on the website corner

Our customer support operates 24 hours a day, 7 days a week in Malay and English. We aim to respond to all privacy-related enquiries promptly and transparently.