joya 44 Privacy Policy

01 Data We Collect

When you register for and use the joya 44 platform, we collect personal data that is necessary to provide our services, verify your identity, process financial transactions, and comply with applicable legal obligations. The categories of personal data we collect are set out below.

Registration & Identity Data

When you open a joya 44 account, we ask for your full legal name, date of birth, email address, and a preferred username. This information is used to create and maintain your player profile and to verify that you meet the minimum age requirement of 18 years. We may also collect your National Identity Card (NID) number, passport details, or driving licence number as part of our mandatory Know Your Customer (KYC) process.

Contact & Location Data

We collect your mobile phone number, which is used for two-factor authentication (2FA) SMS verification and, where consented to, for account-related notifications. Where you voluntarily provide it, we may also collect your residential address for KYC and fraud-prevention purposes. Location data at the city level (for example, Dhaka, Chittagong, Sylhet, Khulna, Rajshahi) may be derived from your IP address to ensure service eligibility and detect suspicious login activity.

Payment & Transaction Data

All deposit and withdrawal transactions on joya 44 are processed through recognised payment providers operating in Bangladesh, including bKash, Nagad, Rocket, Upay, Dutch-Bangla Bank, BRAC Bank, City Bank, Islami Bank, Sonali Bank, Visa, and Mastercard. We record transaction amounts, timestamps, and the masked identifiers (such as the last four digits of a card or a partial mobile wallet number) associated with each payment. We do not store full card numbers or complete mobile money PINs on our servers.

Technical & Usage Data

We automatically collect certain technical data when you visit or use the joya 44 platform. This includes your IP address, browser type and version, operating system, device type (desktop, smartphone, tablet), session duration, pages visited, games played, bet amounts and outcomes, and clickstream data. This information helps us maintain platform security, improve user experience, and detect fraud or abnormal betting patterns.

Data Category	Examples	Collection Method
Identity Data	Full name, date of birth, NID, passport	Registration form, KYC submission
Contact Data	Email address, mobile number	Registration form, account settings
Payment Data	bKash / Nagad wallet reference, masked card digits	Deposit & withdrawal forms
Technical Data	IP address, browser, device type, session logs	Automatic collection via platform
Usage Data	Games played, bets placed, pages visited	Automatic collection via platform
Communications Data	Live chat transcripts, support emails	Customer support interactions

02 How We Use Your Data

joya 44 processes your personal data only for lawful, specified purposes. We will never use your data in a manner that is incompatible with the purposes described in this Privacy Policy. The primary purposes for which we use your data are as follows:

Account Management & Service Delivery

Your identity and contact data are used to create and manage your player account, authenticate your login sessions, process your deposits and withdrawals in Bangladeshi Taka (BDT), and enable you to place bets on cricket (including BPL, T20 World Cup, and IPL fixtures), play slot games from providers such as Pragmatic Play and Microgaming, participate in live casino tables powered by Evolution Gaming and Ezugi, and spin the roulette wheel — all core services of the joya 44 platform.

Legal & Regulatory Compliance

We are required to process certain personal data to meet our anti-money-laundering (AML), counter-terrorism financing (CTF), and know-your-customer (KYC) obligations. This includes verifying your identity before processing withdrawals above specified thresholds, monitoring transaction patterns for suspicious activity, and retaining records as required by applicable law. We may be legally obligated to share relevant data with competent authorities upon lawful request.

Fraud Prevention & Platform Security

Technical and usage data is analysed in real time by our automated fraud-detection and risk-management systems to identify and prevent account takeovers, bonus abuse, collusion, money laundering, and other prohibited activities. Where suspicious behaviour is detected, access to the relevant account may be suspended pending investigation.

Customer Support

When you contact joya 44 via live chat or email at [email protected], we use your contact and account data to respond to your queries, resolve disputes, process complaints, and provide technical assistance. Support interactions are logged and may be monitored for quality assurance and training purposes.

Marketing & Promotions

With your explicit consent, we may send you promotional emails or SMS messages about joya 44 offers, bonus promotions, seasonal campaigns (such as Eid, Pohela Boishakh, BPL season, or IPL), and new game launches. You may withdraw your marketing consent at any time by updating your account notification preferences or by contacting our support team. Withdrawal of marketing consent does not affect the lawfulness of processing carried out before that withdrawal.

Platform Improvement & Analytics

Aggregated and anonymised usage data helps us understand how players interact with the joya 44 platform so that we can improve navigation, game performance, mobile responsiveness, and the overall user experience. This analysis does not identify individual players and is used for internal business purposes only.

03 Cookies & Tracking

joya 44 uses cookies and similar tracking technologies (such as web beacons and local storage) to operate the platform, enhance your experience, and gather analytical insights. A cookie is a small text file stored on your device by your web browser when you visit a website.

Types of Cookies We Use

• Strictly Necessary Cookies: These are essential for core platform functionality, including maintaining your login session, remembering your language and currency preferences, and ensuring secure authentication. These cookies cannot be disabled without impairing the service.
• Performance & Analytics Cookies: These cookies collect anonymised information about how visitors use the joya 44 platform — for example, which pages are visited most frequently and where errors occur. This data is used exclusively for internal performance monitoring and improvement.
• Functional Cookies: These cookies remember choices you make to improve your personalised experience, such as your preferred deposit method (bKash, Nagad, etc.) or your favourite game categories.
• Marketing Cookies: Where you have provided consent, marketing cookies may be used to deliver promotional content relevant to your interests and to measure the effectiveness of our campaigns. These are only activated with your explicit permission.

Managing Your Cookie Preferences

You may control cookie settings through your browser's built-in privacy controls. Most modern browsers allow you to block or delete cookies entirely. Please note that disabling strictly necessary cookies may affect your ability to log in and use certain features of the joya 44 platform. Disabling analytics or marketing cookies will not affect your core gameplay experience.

04 Data Sharing & Third Parties

joya 44 does not sell your personal data. We may share your data with carefully selected third-party service providers and, in limited circumstances, with legal or regulatory authorities. All third parties with whom we share data are contractually bound to process it only for the specified purpose and to apply data protection standards equivalent to those described in this Privacy Policy.

Payment Processors

To process your deposits and withdrawals, we share relevant payment and identity data with our payment partners — including bKash, Nagad, Rocket, Upay, and card-scheme processors for Visa and Mastercard transactions, as well as partnered banks such as Dutch-Bangla Bank, City Bank, BRAC Bank, Islami Bank, and Sonali Bank. These processors handle payment data under their own privacy and security frameworks, and we recommend reviewing their respective policies.

Game Content Providers

Game studios and content providers whose games are available on joya 44 — including Pragmatic Play, Evolution Gaming, NetEnt, Microgaming, Spribe, and Ezugi — may receive anonymised session and gameplay data for the purpose of game performance monitoring, jackpot verification, and fair-play auditing. No personally identifiable information is shared with game studios beyond what is technically required for game functionality.

KYC & Identity Verification Providers

We use third-party identity verification services to perform KYC checks. These providers receive copies of identity documents and conduct automated checks against public and licensed databases. All KYC providers used by joya 44 are bound by strict data processing agreements and are required to delete submitted documents after verification is complete.

Fraud Prevention & AML Services

We work with specialist risk-management and anti-fraud technology partners who analyse transaction and behavioural data on our behalf to detect money laundering, account fraud, and bonus abuse. This analysis is performed under data processing agreements and does not result in the sharing of identifiable player data with unrelated commercial parties.

Legal & Regulatory Disclosure

joya 44 may disclose personal data to law enforcement agencies, government bodies, financial intelligence units, or other competent authorities where we are legally required to do so — for example, in response to a lawful court order, a statutory request under anti-money-laundering legislation, or a regulatory investigation. We will inform you of any such disclosure where we are legally permitted to do so.

05 Data Security Measures

Protecting the personal data of our players is a technical and organisational priority at joya 44. We implement a layered security architecture designed to prevent unauthorised access, accidental loss, destruction, or disclosure of your information.

Technical Safeguards

• SSL/TLS Encryption: All data in transit between your device and our servers is encrypted using TLS 1.2 or higher, ensuring that your login credentials, payment details, and personal information cannot be intercepted in transit.
• Data Encryption at Rest: Sensitive data stored on joya 44 servers — including identity documents and payment references — is encrypted at rest using AES-256 encryption.
• Two-Factor Authentication (2FA): joya 44 offers SMS-based 2FA to all account holders. We strongly encourage all players to enable this feature to add an extra layer of protection against unauthorised access.
• Intrusion Detection & Monitoring: Our infrastructure is monitored 24/7 for anomalous activity, and automated alerts trigger immediate investigation of any suspected breach or intrusion attempt.
• Secure Payment Infrastructure: Payment processing is handled entirely within PCI-DSS-compliant environments. joya 44 does not store raw card data on its own servers.

Organisational Safeguards

Access to player personal data within joya 44 is restricted on a strict need-to-know basis. Staff who handle personal data receive regular training on data protection obligations. Background checks are conducted on employees with access to sensitive systems. Data processing agreements are in place with all third-party service providers who handle personal data on our behalf.

Data Breach Response

In the event of a personal data breach that poses a risk to your rights and freedoms, joya 44 will notify affected players promptly via their registered email address and will take immediate remediation steps. We maintain a documented incident response procedure that covers detection, containment, assessment, notification, and post-incident review.

06 Data Retention

joya 44 retains personal data only for as long as is necessary to fulfil the purposes for which it was collected, including satisfying legal, regulatory, accounting, or reporting requirements. The retention periods applicable to the main categories of personal data we hold are described below.

Data Category	Retention Period	Basis
Account & Identity Data	Duration of account + 5 years after closure	AML / KYC legal obligation
Transaction Records	7 years from date of transaction	Financial record-keeping obligation
KYC Documents	5 years after account closure	Regulatory requirement
Support Communications	3 years from date of interaction	Dispute resolution & quality assurance
Marketing Consent Records	Until consent is withdrawn + 1 year	Evidence of lawful processing
Technical / Log Data	13 months from collection	Security monitoring & analytics

When a retention period expires, personal data is securely deleted or anonymised so that it can no longer be associated with an individual. Where data is anonymised rather than deleted, the resulting dataset may be retained indefinitely for aggregated statistical analysis.

If you request deletion of your data (see Your Rights below), we will honour that request to the extent permitted by our legal obligations. In cases where we are required by law to retain certain data — such as financial transaction records — we will inform you that the relevant data cannot be deleted until the applicable legal retention period has elapsed.

07 Your Rights

As a joya 44 player whose personal data we process, you hold a number of rights in relation to that data. We are committed to honouring these rights promptly and transparently. To exercise any of the rights described below, please contact us via live chat on the platform or by emailing [email protected] with the subject line "Data Rights Request".

Right of Access

You have the right to request a copy of the personal data that joya 44 holds about you. We will provide a structured summary of your data in a readable format within a reasonable timeframe. We may ask you to verify your identity before fulfilling an access request to protect against fraudulent requests.

Right to Rectification

If any personal data we hold about you is inaccurate or incomplete, you have the right to request that we correct it without undue delay. You may update certain information (such as your email address or mobile number) directly through your joya 44 account settings. For corrections to identity documents or date of birth, please contact support.

Right to Erasure

You may request that we delete your personal data where it is no longer necessary for the purposes for which it was collected, where you withdraw consent on which processing was based, or where you object to processing and there is no overriding legitimate interest. Please note that we may be unable to fulfil erasure requests in full where retention is required by law — for example, financial transaction records that must be kept for regulatory compliance purposes.

Right to Restrict Processing

In certain circumstances — such as where you contest the accuracy of data, or where processing is unlawful but you prefer restriction to deletion — you may request that we limit the processing of your personal data. During any period of restriction, we will continue to store the data but will not actively process it beyond what is legally required.

Right to Data Portability

Where processing is based on your consent or on the performance of a contract with you, and where processing is carried out by automated means, you have the right to receive your personal data in a structured, commonly used, machine-readable format, and to request that we transmit that data directly to another service provider where technically feasible.

Right to Object

You have the right to object to the processing of your personal data for direct marketing purposes at any time. You also have the right to object to processing based on legitimate interests where you believe your individual rights and freedoms override those interests. We will honour marketing opt-out requests immediately upon receipt.

Right to Withdraw Consent

Where joya 44 processes your personal data on the basis of your consent — such as for marketing communications — you may withdraw that consent at any time without affecting the lawfulness of processing that occurred before the withdrawal. To withdraw consent, update your communication preferences in your account settings or contact our support team.

08 Contact & Complaints

joya 44 takes all privacy concerns seriously. If you have a question about this Privacy Policy, wish to exercise one of your data rights, or believe that we have not handled your personal data in accordance with this Policy, we encourage you to contact us in the first instance so that we have the opportunity to address your concern directly.

How to Contact Us

You may reach the joya 44 data privacy team through the following channels:

• Live Chat: Available 24 hours a day, 7 days a week, directly on the joya 44 platform. Select "Privacy / Data Request" from the support menu for fastest routing.
• Email: Send your query or request to [email protected] with the subject line "Privacy Policy Query" or "Data Rights Request". We aim to provide a substantive written response within 5 business days (Bangladesh Standard Time, UTC+6).

Updates to This Privacy Policy

joya 44 reserves the right to update or amend this Privacy Policy at any time to reflect changes in our data practices, applicable law, or platform features. When material changes are made, we will notify registered players via email or in-platform notification and update the "Last Reviewed" date at the top of this page. Your continued use of joya 44 following any update constitutes acceptance of the revised Privacy Policy.

Children's Privacy

The joya 44 platform is strictly for adults aged 18 and above. We do not knowingly collect or process personal data belonging to individuals under the age of 18. If you are a parent or guardian and believe that a minor has created a joya 44 account, please contact us immediately at [email protected]. We will investigate and, where confirmed, close the account and delete all associated data without delay.