Mko app Privacy Policy – Malaysian User Data Protection

1 Privacy Policy Introduction and Scope

This Privacy Policy ("Policy") describes the data collection and usage practices of mko app ("we", "Platform") in relation to personal information obtained from users ("you") who access or use mko app's services through our website or mobile application.

This Policy applies to all mko app platform users, including visitors, registered members, and anyone who interacts with any part of our platform. By using the mko app platform, you consent to the collection and use of your personal information as described in this Privacy Policy.

Mko app is committed to complying with Malaysia's Personal Data Protection Act 2010 (PDPA) and relevant international data protection standards. We continually review our privacy practices to ensure we stay current with the latest legal and technological developments.

2 Information We Collect

Mko app collects various types of information depending on how you interact with our platform. Below are the main categories of data we collect:

Identity Information:

• Full name as stated on your identity card or passport;
• Date of birth and gender;
• Identity card number (MyKad) or passport number;
• Your current residential address and mailing address;
• Active mobile phone number and email address.

Financial Information:

• Bank account or digital wallet details used for deposits and withdrawals;
• Transaction records, deposit history, and withdrawal history;
• Financial statements submitted for KYC verification purposes.

Platform Usage Information:

• Game activity logs including games played, session duration, and total wagering amounts;
• Communication records with the customer support team;
• Feedback, complaints, and suggestions submitted to us;
• Manage your account settings and platform preferences.

Technical Information:

• Your device's IP address;
• Web browser type and operating system version;
• Device type (computer, mobile phone, tablet);
• Cookie data and session identifiers;
• Location information based on IP address (country and city only).

3 Purpose of Data Collection and Use

Every piece of information we collect is used for a clear and legitimate purpose. mko app does not use user data for any purpose not disclosed in this Privacy Policy.

4 How We Protect Your Data

The security of your personal information is mko app's highest priority. We implement comprehensive layers of protection to ensure your data remains safe at all times:

• 256-bit SSL Encryption: All data transmitted between your device and our servers is encrypted using the latest TLS 1.3 protocol, ensuring no third party can intercept your communications;
• Data-at-rest encryption: Sensitive information such as financial details and KYC documents are stored in encrypted form on our servers;
• Layered access control: Only authorised personnel with a specific business need may access users' personal data, and all access is recorded and audited;
• Continuous threat monitoring: Our systems are monitored live 24 hours a day, 7 days a week to detect any suspicious activity or intrusion attempts;
• Regular security testing: mko app conducts regular penetration testing and security audits by independent experts to identify and address any vulnerabilities;
• Certified data centres: Your data is stored in ISO 27001-certified data centres with redundant backup systems and a comprehensive disaster recovery plan.

5 Third-Party Data Sharing

Mko app does not sell or rent your personal data to any third party. However, under limited and controlled circumstances, we may need to share certain information with the following parties:

• Payment service providers: Banks, credit card companies, and digital wallet providers that process your transactions — only information required to complete the transaction is shared;
• Technology service providers: Companies that help us operate the platform, including cloud computing and data analytics services — all such providers are bound by strict data protection agreements;
• Regulatory bodies and law enforcement agencies: When required by Malaysian law or a valid court order, we will disclose the necessary information to the relevant authorities;
• Fraud prevention: Limited information may be shared with industry partners through recognised fraud prevention networks to protect all platform users.

Every third party we work with is contractually bound to comply with data protection standards equal to or higher than those we hold ourselves to. mko app remains fully responsible for the security of your data in all such sharing arrangements.

6 Cookies and Tracking Technologies

Mko app uses cookies and similar tracking technologies to enhance the user experience and ensure the platform functions properly. Below are the types of cookies we use:

• Essential cookies: Required for core platform functions such as login authentication and session management. These cookies cannot be disabled without affecting platform functionality;
• Performance cookies: Collecting anonymised data on how users interact with the platform to help us identify and resolve technical issues;
• Functional cookies: Remembering your preferences such as language choice, display settings, and saved login information;
• Analytics cookies: Helps us understand aggregate usage patterns to improve platform design and content.

You may manage your cookie settings through your web browser at any time. However, disabling certain cookies may affect the functionality and user experience of the mko app platform.

7 Data Retention Period

Mko app retains your personal data for as long as necessary to fulfil the purpose of collection or as required by applicable law. Below are our general data retention guidelines:

• Active account data: Retained for the duration your account is active and for an additional 7 years after account closure to comply with legal requirements;
• Financial transaction records: Retained for a minimum of 7 years in accordance with Malaysia's Anti-Money Laundering Act requirements;
• KYC Documents: Retained for the duration your account is active and for 5 years after account closure;
• Technical and communication logs: Retained for 2 years for security and dispute resolution purposes;
• Marketing data: Retained until you withdraw your consent or request deletion.

Upon expiry of the applicable retention period, your personal data will be securely deleted or fully anonymised using methods that ensure the data cannot be recovered or re-linked to your identity.

8 Your Rights as a Data Owner

Under Malaysia's Personal Data Protection Act 2010, you have the following rights regarding your personal data held by mko app:

• Right of Access: You have the right to request a copy of the personal data we hold about you at any time;
• Right to Rectification: You have the right to request correction of any inaccurate or incomplete information;
• Right to Erasure: Under certain circumstances, you have the right to request deletion of your personal data, subject to legal retention requirements;
• Right to Restriction of Processing: You may request that we restrict how we use your data in certain situations;
• Right to Withdraw Consent: You may withdraw your consent to certain data processing at any time without affecting the validity of prior processing;
• Right to Object to Marketing: You may opt out of receiving marketing communications at any time via your account settings.

To exercise any of the above rights, please contact the mko app customer support team via Live Chat on the platform. We will process your request within 30 business days and may require identity verification before processing any request involving data access or modification.

9 Account Security and User Responsibilities

While mko app implements comprehensive technical protections, the security of your account also depends on your own actions. Here are the steps we recommend to protect your account:

• Use a strong, unique password combining uppercase letters, lowercase letters, numbers, and symbols — minimum 10 characters;
• Never share your password or login credentials with anyone, including family members;
• Enable two-factor authentication (2FA) via your account security settings for an additional layer of protection;
• Log out of your account each time you finish using the platform, especially on shared devices;
• Be cautious of emails or messages requesting your login credentials — mko app will never ask for your password via email or SMS;
• Contact our customer support immediately if you suspect your account has been accessed without authorisation.

In the event of a data security breach that may affect your personal information, mko app will notify you within 72 hours via your registered email and take immediate action to contain the threat.

10 Privacy Policy Updates

Mko app reserves the right to update or modify this Privacy Policy at any time to reflect changes in our practices, legal requirements, or service improvements. Any updates will be posted on this page along with the latest revision date.

For significant changes that affect how we use your personal data, we will notify you via your registered email or an in-platform notification at least 14 days before the changes take effect. Your continued use of the mko app platform after the effective date constitutes acceptance of the updated terms.

We encourage you to review this Privacy Policy periodically to stay informed about how we protect and use your information. If you disagree with any changes, you may close your account and stop using the platform at any time.