What We Collect and Why We Hold It
We collect your name, email address, phone number and account credentials when you register. If you deposit via bKash, Nagad or Rocket, we record the transaction reference and wallet number to match payments to your account — we do not store your mobile banking PIN or
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full wallet credentials. We also collect device identifiers, browser type and session timestamps to detect unusual login activity and keep your account secure. Cookies track your in-session preferences, such as your last lobby tab or language setting, and are not used to build marketing profiles sold
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to third parties. We may share data with payment processors and identity verification services strictly to complete the service you requested. We do not sell your personal data. Retention periods vary: account data is held for as long as your account is active, and payment records
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are kept as required by applicable financial compliance rules. Your use of joya999 is subject to local law and the rules of your eligible region.
Service availability depends on eligible regions and local law. Users should check local rules before opening an account.