Free credit Privacy Policy – Our Commitment to Protecting the Personal Data of Malaysia Players

1. Introduction

Platform free credit operating through freecredit.vu takes seriously the responsibility of protecting the personal information of every member and user. We understand that your trust in us is not something to be taken lightly, and we are committed to managing your personal data with the highest level of transparency and security.

This policy applies to all users of our platform — whether you are a registered member, a casual visitor, or anyone interacting with our platform in any capacity. It covers all services provided through the website freecredit.vu and any related mobile apps.

As a platform operating in the Malaysia market, we fully comply with the provisions of the Personal Data Protection Act 2010 (PDPA) Malaysia and all its implementing regulations. Where international standards offer a higher level of protection, we will follow the more stringent standard.

2. Types of Data We Collect

We collect your personal information across several key categories:

Identity Information:

• Full name as shown on official identification documents.
• National identification number (MyKad) or passport number for foreign nationals.
• Date of birth for age verification purposes.
• Current residential address.
• An active mobile phone number.
• A valid and active email address.

Financial Information:

• Bank name and bank account number for deposit and withdrawal purposes.
• E-wallet numbers (DuitNow, Touch 'n Go eWallet, Boost, GrabPay) registered under your name.
• Your deposit and withdrawal transaction history on our platform.
• Debit or credit card information (stored securely in compliance with PCI-DSS standards).

Platform Usage Information:

• Your game history and wagering activity on the platform.
• The time and duration of each gaming session.
• Game preferences and platform usage habits.
• Records of communications with our customer support team.

Technical Information:

• IP address and approximate location based on IP.
• The type of device, operating system, and browser version being used.
• Access log data automatically generated by our system.

3. How Your Data Is Collected

We collect your personal data through several channels:

• Direct Registration — Information you fill in yourself when creating a new account.
• KYC Process — Documents you upload for identity verification purposes prior to your first withdrawal.
• Platform Usage — Data automatically generated when you play, make transactions or interact with the platform.
• Support Communications — Information you provide when contacting our support team via Live Chat.
• Cookies and Similar Technologies — Information automatically collected through your browser as described in Section 7.

4. Purpose of Personal Data Use

We use the data we collect for legitimate and specific purposes. We do not use your data for any purpose other than those stated below:

• Service Provision — Manage your account, process deposits and withdrawals, and ensure the platform runs smoothly for you.
• Identity Verification (KYC) — Meet legal requirements relating to identity verification, anti-money laundering and age verification.
• Security & Fraud Prevention — Detect and prevent fraudulent activity, multi-account usage and system exploitation.
• Service Communications — Send account-related notifications, transaction updates, security alerts and other important information relevant to your use of the platform.
• Platform Improvement — Analyse usage patterns in aggregate (not individually) to improve the user experience and develop new features.
• Legal Compliance — Fulfil applicable legal and regulatory obligations, including reporting to authorities when required by law.

5. Data Sharing with Third Parties

We does not sell, rent or trade your personal information to third parties for their own marketing purposes. However, in certain situations we may need to share your information with the following parties:

• Service Providers — Third parties that help us operate the platform, such as payment processors, cloud computing service providers and game suppliers. They may only use your data in accordance with our instructions.
• Relevant Authorities — Law enforcement agencies, regulatory bodies or courts when we are required to do so by law or court order.
• Anti-Money Laundering — To authorized bodies for the purpose of helping prevent financial crime, as required by applicable law.
• Change of Company Ownership — In the event of a merger, acquisition or sale of company assets, user data may be transferred as part of those assets. You will be notified before your data becomes subject to a different privacy policy.

6. Data Storage & Security

We implement appropriate technical and organizational measures to protect your personal data from unauthorized access, disclosure, alteration, or destruction:

• All data in transit is protected with 256-bit SSL/TLS encryption.
• Data stored in our databases uses additional data-level encryption for sensitive information.
• Access to user data among our staff is restricted to those who genuinely need it, based on the principle of least privilege.
• Our systems are continuously monitored to detect suspicious activity.
• Internal and external security audits are conducted on a regular basis.
• Data backups are performed regularly and stored in a secure, separate location.

Your personal data will be retained for as long as your account is active or as long as necessary to provide services to you. After account closure, we will retain your data for the minimum period required by Malaysia law — typically seven (7) years for financial records — before it is securely deleted.

7. Cookies & Tracking Technologies

Platform freecredit.vu uses cookies and similar tracking technologies to enhance your experience and ensure the platform functions correctly.

Types of cookies we use:

• Essential Cookies — Required for core platform functions such as login, active sessions and security. These cookies cannot be disabled.
• Performance & Analytics Cookies — Helps us understand how users interact with the platform so we can improve it. Data is collected in aggregate and does not identify you individually.
• Preference Cookies — Save your preferences such as language, display settings and other options to make repeat visits easier.

You can manage or delete cookies through your browser settings. However, disabling essential cookies may affect certain platform functions.

8. Your Rights Regarding Personal Data

As a platform member free credit, you have the following rights regarding your personal data:

9. Protection of Children's Data

Platform freecredit.vu is restricted to individuals aged 18 years and above only. We do not intentionally collect or process personal data of individuals under the age of 18.

If we discover that we have collected personal information from someone under the age of 18 without appropriate verification, we will take immediate steps to delete that information and close the account in question. If you know or suspect that someone under the age of 18 has registered an account on our platform, please contact our support team immediately.

10. Amendments to the Privacy Policy

We reserve the right to amend or update this Privacy Policy at any time. Any material changes will be communicated to you through:

• Notifications prominently displayed on the platform's home page upon login.
• An email sent to your account's registered email address.
• Push notifications if you use our mobile app.

Changes will take effect 14 days after notice is given for material changes, or immediately for changes required by law. Continued use of the platform after the notice period constitutes your acceptance of the amended policy.

11. How to Contact Us

If you have any questions, concerns or requests regarding this Privacy Policy or how we handle your personal data, please contact us through the following channels:

• Live Chat — Use the Live Chat function available at the bottom corner of the platform. Our team operates 24/7.
• Email — Send an email to [email protected] with the subject line "Privacy Inquiry".
• Help Center — Visit our FAQ our for answers to frequently asked questions about privacy and security.

We aim to respond to all privacy-related inquiries within 48 hours business days.