99Exch Privacy Policy – How We Collect, Use and Protect Your Data

Your privacy matters to 99Exch. This Privacy Policy explains what personal data we collect from users of the 99Exchange platform, how that data is used, with whom it may be shared, and the rights you have over your own information. By registering an account or using any part of the 99Exch platform, you acknowledge that you have read and understood this Privacy Policy and consent to the data practices described herein.

This policy applies to all personal data collected through the 99Exch website, mobile application, and any associated services. We are committed to handling your data responsibly and in compliance with applicable data protection regulations.

1. What Data We Collect

We collect personal data from you in the following ways:

Data You Provide Directly:

Registration data: Full name, mobile number, date of birth, email address (if provided), and User ID chosen at registration
Identity verification (KYC): Government-issued identification documents, address proof, and bank account details submitted as part of the verification process
Financial data: Payment method details, deposit and withdrawal transaction records, and bank account or UPI ID information used for transactions
Communication data: Messages, queries, and correspondence submitted via Live Chat, WhatsApp, or Email support channels

Data Collected Automatically:

Device and technical data: IP address, device type and operating system, browser type, session duration, and pages visited
Usage data: Betting history, game activity, deposit and withdrawal history, login timestamps, and platform interaction patterns
Cookie data: Information stored via cookies as described in Section 6 of this policy

2. How We Use Your Data

We use the personal data we collect for the following purposes, each of which represents a legitimate interest or contractual necessity in the context of providing the 99Exch platform:

Account and Service Management:

Creating and maintaining your user account
Verifying your identity and age in compliance with regulatory requirements
Processing deposits and withdrawals securely
Providing customer support and responding to queries
Enforcing our Terms and Conditions and platform policies
Detecting and preventing fraud, money laundering, and prohibited activity

Platform Improvement and Communication:

Improving platform features, odds presentation, and user experience based on usage patterns
Sending account notifications including deposit confirmations, withdrawal updates, and security alerts
Where you have opted in: sending promotional communications about bonuses, offers, and new features
Personalising your platform experience based on your betting history and preferences
Analysing aggregated platform usage data to understand how users interact with the service

3. Legal Basis for Data Processing

We process your personal data on the following legal bases:

Contract performance: Processing necessary to fulfil our obligations under the account agreement — including account management, payments, and service delivery
Legal obligation: Processing required to comply with applicable laws including anti-money laundering regulations, age verification requirements, and tax reporting obligations
Legitimate interests: Processing for fraud prevention, platform security, and improving our services where these interests do not override your rights
Consent: Where processing is based on your consent — such as marketing communications — you have the right to withdraw consent at any time without affecting the lawfulness of prior processing

4. How We Share Your Data

99Exch does not sell your personal data to any third party. We may share your data with the following categories of recipient for the purposes described in this policy:

Payment processors and banking partners: To process deposits and withdrawals securely
Identity verification services: To complete KYC verification as required by applicable regulations
Regulatory and law enforcement authorities: Where required by applicable law, court order, or regulatory direction
Fraud prevention services: To detect and prevent fraudulent activity, money laundering, and prohibited betting behaviour
Technology and hosting partners: Service providers who operate platform infrastructure under strict confidentiality agreements
Professional advisers: Legal, accounting, and auditing firms engaged to support 99Exch’s business operations, bound by professional confidentiality obligations

All third parties with whom we share data are required to process it in accordance with applicable data protection law and our contractual requirements.

5. Data Retention

We retain your personal data for as long as necessary to fulfil the purposes for which it was collected, including for the purposes of satisfying any legal, regulatory, accounting, or reporting requirements.

Account data: Retained for the duration of your account relationship and for a defined period after account closure as required by applicable regulations
Transaction records: Retained for a minimum of 5 years from the date of the transaction in compliance with financial record-keeping requirements
Identity verification documents: Retained in accordance with applicable anti-money laundering regulations — typically 5 years from the end of the business relationship
Support communications: Retained for a reasonable period following resolution to facilitate any follow-up queries
Marketing preferences: Retained until you withdraw consent or request deletion

When your data is no longer required, it is securely deleted or anonymised in accordance with our data retention procedures.

6. Cookies and Tracking Technologies

99Exch uses cookies and similar tracking technologies to enhance your experience on the platform, analyse usage patterns, and deliver relevant content. Cookies are small data files placed on your device when you visit the platform.

Types of Cookies We Use:

Essential cookies: Required for the platform to function — including session management, security tokens, and login persistence. These cannot be disabled without impacting platform functionality.
Analytical cookies: Used to understand how users interact with the platform — pages visited, session duration, and feature usage. This data is aggregated and anonymised.
Preference cookies: Store your settings and preferences — including display preferences and notification settings — to personalise your platform experience.
Marketing cookies: Used to deliver relevant promotional content where you have consented to marketing communications. These can be controlled through your cookie preferences.

You can manage cookie preferences through your browser settings. Note that disabling essential cookies will affect platform functionality.

7. Data Security

99Exch implements industry-standard technical and organisational measures to protect your personal and financial data from unauthorised access, loss, or disclosure.

Encryption: All data transmission between your device and 99Exch servers is encrypted using SSL/TLS protocols — the same standard used by major Indian banks
Access controls: Personal data is accessible only to 99Exch personnel who require it for legitimate business purposes, subject to strict internal access controls
Payment security: Financial transaction data is processed through licensed, RBI-compliant payment gateways. 99Exch does not store complete payment card numbers or banking credentials
Regular security reviews: Our security practices are reviewed regularly to address emerging threats and maintain compliance with best practices

While we take reasonable measures to protect your data, no online system is completely secure. We encourage you to use a strong, unique password for your 99Exch account and to enable OTP verification for all account access.

8. Your Rights Over Your Data

Subject to applicable data protection law, you have the following rights regarding the personal data we hold about you:

Right of access: You can request a copy of the personal data we hold about you
Right to rectification: You can request correction of any inaccurate or incomplete personal data
Right to erasure: You can request deletion of your personal data in certain circumstances — subject to our legal obligations to retain data for regulatory compliance
Right to restriction: You can request that we restrict processing of your data in certain circumstances
Right to data portability: You can request a copy of certain data in a structured, machine-readable format
Right to object: You can object to processing of your data where it is based on legitimate interests
Right to withdraw consent: Where processing is based on consent (such as marketing), you can withdraw consent at any time

To exercise any of these rights, contact the 99Exch support team via the contact channels listed below. We will respond within a reasonable timeframe in accordance with applicable law.

9. Marketing Communications

With your consent, we may send you promotional communications about 99Exch bonuses, new features, seasonal offers, and platform updates. You can opt in to marketing communications during registration or through your account settings.

You can withdraw consent to marketing communications at any time by:

Updating your communication preferences in your account settings
Contacting 99Exch support and requesting removal from marketing lists
Using the unsubscribe mechanism included in any marketing email

Withdrawal of marketing consent does not affect service communications — you will continue to receive essential account notifications such as deposit confirmations, withdrawal updates, and security alerts regardless of marketing preferences.

10. Third-Party Links and Services

The 99Exch platform may contain links to third-party websites or services — including payment providers and responsible gambling support organisations. This Privacy Policy applies only to data collected by 99Exch and does not govern the data practices of third-party services.

We encourage you to review the privacy policies of any third-party services you use in connection with the 99Exch platform. 99Exch is not responsible for the data practices of third parties.

11. Updates to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our data practices, applicable law, or platform services. When we make material changes, we will notify registered users via platform notification or the registered email address.

The date of the most recent revision is displayed at the bottom of this page. Continued use of the platform following notification of updates constitutes acceptance of the revised Privacy Policy.

We encourage you to review this policy periodically to stay informed about how we protect your data.

12. Contact Us About Privacy

If you have any questions about this Privacy Policy, wish to exercise your data rights, or want to raise a concern about how your data is being handled, please contact the 99Exch team:

Live Chat — available 24/7 inside the platform
WhatsApp — direct support messaging
Email — for formal written data subject requests

We are committed to resolving privacy queries promptly and transparently. Privacy Policy last updated: 2026.