Privacy Policy – 99EXCH

Welcome to the Privacy Policy of 99EXCH. Your privacy is of utmost importance to us. This Privacy Policy explains how we collect, use, store, share, and protect your personal information when you use our website, mobile application, and services. By accessing or using 99EXCH, you agree to the terms outlined in this Privacy Policy.

We are committed to protecting your personal data and ensuring transparency about how we handle it. This policy applies to all users, visitors, and registered members of 99EXCH. Please read this Privacy Policy carefully. If you do not agree with any part of this policy, you must immediately stop using our services.

1. Introduction

99EXCH (“we”, “us”, “our”) operates an online betting and gaming platform that offers cricket betting, live casino games, sports betting, and related services. In the course of providing these services, we collect and process certain personal information about you.

This Privacy Policy describes:

What personal information we collect
How we collect your information
Why we collect your information
How we use and share your information
How we protect your information
Your rights regarding your personal data
How you can contact us

We comply with applicable data protection laws, including the Information Technology Act, 2000, and the Digital Personal Data Protection Act, 2023 (India). We are committed to ensuring that your privacy is protected at all times.

2. Information We Collect

We collect various types of information to provide you with a safe, smooth, and personalized betting experience. The information we collect can be categorized as follows:

2.1 Personal Information

When you register on 99EXCH, we collect personal details that can identify you, including:

Full name
Date of birth
Email address
Mobile number
Residential address
Gender
Government-issued ID details (PAN, Aadhaar, Passport, etc.)
Bank account details
UPI ID or wallet address
Photographs (for KYC verification)
Selfie for identity verification

2.2 Financial Information

To process deposits, withdrawals, and verify your identity, we collect:

Bank account number
IFSC code
Bank name and branch
UPI ID
Credit/debit card details (processed securely by payment gateways; we do not store card details)
Cryptocurrency wallet addresses
Transaction history and records

2.3 Technical Information

When you access our platform, we automatically collect certain technical data, including:

IP address
Device type and model
Operating system and browser
Browser language and settings
Time zone
Referring website or source
Pages visited on our platform
Session duration and activity
Cookies and similar technologies

2.4 Usage Information

We collect information about how you use our platform, including:

Betting activity and preferences
Games played and time spent
Deposit and withdrawal patterns
Bonus and promotion participation
Customer support interactions
Login history and session data

2.5 Communication Information

When you contact us via live chat, email, WhatsApp, or phone, we may record:

Your messages and queries
Call recordings (for quality and training purposes)
Email correspondence
Chat transcripts

3. How We Collect Your Information

We collect your information through the following methods:

3.1 Directly From You

When you register an account
When you complete KYC verification
When you make deposits or withdrawals
When you place bets or play games
When you contact customer support
When you participate in promotions or surveys
When you subscribe to newsletters or updates

3.2 Automatically

Through cookies and similar technologies
Through server logs and analytics tools
Through device fingerprinting and security software
Through third-party analytics providers

3.3 From Third Parties

Payment gateways and financial institutions
KYC verification service providers
Fraud detection and prevention agencies
Marketing partners and affiliates
Public databases and government registries

4. Why We Collect Your Information

We collect and use your information for the following purposes:

4.1 To Provide Our Services

Create and manage your account
Process deposits and withdrawals
Place and settle bets
Provide access to casino games
Offer customer support
Process bonuses and promotions

4.2 To Verify Your Identity

Complete KYC verification
Prevent fraud, identity theft, and money laundering
Comply with legal and regulatory requirements
Ensure age verification (18+)

4.3 To Improve Our Platform

Analyze user behavior and preferences
Enhance user experience and interface
Develop new features and services
Conduct research and surveys
Monitor platform performance and security

4.4 To Communicate With You

Send account updates and notifications
Inform you about promotions and offers
Respond to your queries and complaints
Send transactional and service messages
Send marketing communications (with your consent)

4.5 To Ensure Security and Compliance

Detect and prevent fraud, cheating, and abuse
Monitor suspicious activity and transactions
Comply with AML and CTF regulations
Enforce our Terms & Conditions
Cooperate with law enforcement agencies

4.6 To Personalize Your Experience

Recommend games and markets based on your preferences
Show relevant promotions and bonuses
Customize content and offers
Improve targeting and relevance

5. Legal Basis for Processing Your Information

We process your personal information based on the following legal grounds:

5.1 Consent

By registering and using our services, you consent to the collection, use, and sharing of your information as described in this Privacy Policy.

5.2 Contractual Necessity

We process your information to fulfill our contractual obligations to you, such as providing betting services, processing transactions, and offering customer support.

5.3 Legal Compliance

We process your information to comply with applicable laws, regulations, and legal requests from authorities.

5.4 Legitimate Interests

We process your information for legitimate business interests, such as fraud prevention, security, platform improvement, and marketing (where permitted by law).

6. How We Share Your Information

We do not sell, rent, or trade your personal information to third parties. However, we may share your information in the following circumstances:

6.1 With Service Providers

We share information with trusted third-party service providers who assist us in:

Payment processing
KYC verification
Fraud detection and prevention
Cloud hosting and data storage
Analytics and marketing
Customer support tools
IT and security services

All service providers are contractually obligated to protect your data and use it only for the purposes we specify.

6.2 With Regulatory and Law Enforcement Authorities

We may disclose your information to government authorities, law enforcement agencies, or regulatory bodies when required by law, court order, or to:

Comply with legal obligations
Prevent or investigate fraud, money laundering, or terrorism
Protect the rights, property, or safety of 99EXCH, our users, or the public
Enforce our Terms & Conditions

6.3 With Business Partners

We may share information with business partners, affiliates, and marketing partners for:

Joint promotions and offers
Referral programs
Co-branded services
Analytics and research

These partners are required to maintain confidentiality and comply with data protection laws.

6.4 In Case of Business Transfer

If 99EXCH is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction. We will notify you of any such change and ensure your data remains protected.

6.5 With Your Consent

We may share your information with third parties when you explicitly consent to such sharing.

7. How We Protect Your Information

We take the security of your personal information seriously and implement industry-standard measures to protect it.

7.1 Encryption

We use 256-bit SSL encryption to protect data transmitted between your device and our servers. All sensitive information, including payment details, is encrypted during transmission.

7.2 Secure Storage

Your data is stored on secure servers with restricted access. We use firewalls, intrusion detection systems, and regular security audits to protect against unauthorized access.

7.3 Access Controls

Only authorized personnel have access to your personal information. Employees are trained on data protection and are bound by confidentiality agreements.

7.4 Two-Factor Authentication (2FA)

We offer 2FA to add an extra layer of security to your account. We recommend enabling it for all users.

7.5 Regular Monitoring

We continuously monitor our systems for suspicious activity and potential security breaches. Any detected issues are addressed immediately.

7.6 Data Retention

We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce agreements.

7.7 Third-Party Audits

We partner with PCI-DSS compliant payment gateways and undergo regular security audits to ensure our systems meet the highest standards.

7.8 Limitations

While we take every precaution to protect your data, no system is completely secure. We cannot guarantee absolute security. You are responsible for maintaining the confidentiality of your account credentials.

8. Your Rights Regarding Your Personal Data

You have the following rights regarding your personal information:

8.1 Right to Access

You can request a copy of the personal information we hold about you.

8.2 Right to Rectification

You can request correction of inaccurate or incomplete information.

8.3 Right to Erasure

You can request deletion of your personal information, subject to legal and contractual obligations.

8.4 Right to Restrict Processing

You can request that we limit the processing of your information in certain circumstances.

8.5 Right to Data Portability

You can request a copy of your data in a structured, machine-readable format.

8.6 Right to Object

You can object to the processing of your information for marketing or other purposes.

8.7 Right to Withdraw Consent

You can withdraw your consent at any time by contacting us. However, this may affect our ability to provide services.

8.8 Right to Lodge a Complaint

You can lodge a complaint with the relevant data protection authority if you believe your rights have been violated.

To exercise any of these rights, contact us at privacy@99exch.com.

9. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our platform.

9.1 What Are Cookies?

Cookies are small text files stored on your device when you visit a website. They help us remember your preferences, improve performance, and deliver personalized content.

9.2 Types of Cookies We Use

Cookie Type	Purpose
Essential Cookies	Enable core functionality (login, deposits, security)
Performance Cookies	Analyze platform usage and improve performance
Functional Cookies	Remember your preferences and settings
Marketing Cookies	Deliver relevant ads and promotions
Analytics Cookies	Track user behavior and platform metrics

9.3 Managing Cookies

You can manage or disable cookies through your browser settings. However, disabling essential cookies may affect your ability to use certain features.

9.4 Third-Party Cookies

We may allow third-party service providers (analytics, advertising) to place cookies on your device. These cookies are governed by the respective third party’s privacy policy.

10. Data Retention Policy

We retain your personal information for as long as necessary to:

Provide our services
Comply with legal and regulatory requirements
Resolve disputes and enforce agreements
Prevent fraud and ensure security

Retention Periods

Data Type	Retention Period
Account Information	Active account + 5 years after closure
Transaction Records	5 years from date of transaction
KYC Documents	5 years after account closure
Betting History	3 years from date of bet
Communication Records	2 years from date of communication
Marketing Data	Until consent withdrawn

After the retention period, your data is securely deleted or anonymized.

11. International Data Transfers

Your information may be transferred to and processed in countries outside India where our servers or service providers are located. We ensure that such transfers comply with applicable data protection laws and that your data remains protected.

When transferring data internationally, we use appropriate safeguards such as standard contractual clauses, encryption, and secure transfer protocols.

12. Children’s Privacy

99EXCH does not knowingly collect or process personal information from individuals under the age of 18. Our services are intended for adults only. If we discover that a minor has provided us with personal information, we will delete it immediately and terminate the account.

If you are a parent or guardian and believe your child has provided us with personal information, please contact us at privacy@99exch.com.

13. Marketing and Communications

We may use your information to send you marketing communications about promotions, bonuses, and offers.

13.1 Opt-In and Opt-Out

You can opt in or opt out of marketing communications at any time by:

Updating your preferences in Account Settings
Clicking “Unsubscribe” in marketing emails
Contacting customer support

13.2 Transactional Messages

Even if you opt out of marketing, we will continue to send you transactional messages related to your account, deposits, withdrawals, and security.

14. Third-Party Links

Our platform may contain links to third-party websites, applications, or services. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies before providing any personal information.

15. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time. Any changes will be effective immediately upon posting on this page. We will notify you of significant changes via email or platform notification.

Your continued use of our services after any changes constitutes your acceptance of the updated Privacy Policy. We encourage you to review this page periodically.

16. Compliance with Laws and Regulations

99EXCH complies with all applicable data protection, anti-money laundering (AML), and counter-terrorism financing (CTF) laws and regulations. We cooperate with regulatory authorities and law enforcement agencies as required.

Key Compliance Areas

Regulation	Compliance
IT Act, 2000	Data protection and privacy
DPDP Act, 2023	Personal data protection
AML/CTF Regulations	Transaction monitoring and reporting
KYC Norms	Identity verification
PCI-DSS	Payment card data security

17. Data Breach Notification

In the unlikely event of a data breach that affects your personal information, we will:

Investigate the breach immediately
Notify affected users without undue delay
Report to relevant authorities as required by law
Take corrective measures to prevent future breaches

18. Contact Us

If you have any questions, concerns, or complaints regarding this Privacy Policy or our data practices, please contact us:

Contact Method	Details
Email	privacy@99exch.com
Support Email	support@99exch.com
Live Chat	Available 24/7 on our website
WhatsApp	Available 24/7
Phone	+91-XXXXXXXXXX (10 AM – 10 PM IST)

19. Summary of Key Points

Key Aspect	Details
Information Collected	Personal, financial, technical, usage, communication
Purpose	Service delivery, KYC, security, marketing, improvement
Sharing	Service providers, authorities, partners (with consent)
Security	256-bit SSL, 2FA, access controls, audits
User Rights	Access, rectification, erasure, portability, objection
Cookies	Essential, performance, functional, marketing, analytics
Retention	2-5 years depending on data type
Children’s Privacy	No data from under 18
International Transfers	Compliant with safeguards
Contact	privacy@99exch.com

20. Your Consent

By using 99EXCH, you acknowledge that you have read, understood, and agreed to this Privacy Policy. You consent to the collection, use, and sharing of your personal information as described herein.

If you do not agree with this Privacy Policy, please do not use our services.

21. Glossary of Terms

Term	Meaning
Personal Data	Information that identifies you
Processing	Any operation performed on personal data
Data Controller	Entity that determines purpose of processing
Data Processor	Entity that processes data on behalf of controller
KYC	Know Your Customer verification
AML	Anti-Money Laundering
CTF	Counter-Terrorism Financing
Cookies	Small files stored on your device
SSL	Secure Sockets Layer encryption
2FA	Two-Factor Authentication
DPDP Act	Digital Personal Data Protection Act, 2023

22. Final Note

At 99EXCH, we are committed to protecting your privacy and ensuring a safe, secure, and transparent betting experience. We continuously review and update our practices to meet the highest standards of data protection.

Thank you for trusting us with your information. If you have any questions, please do not hesitate to contact us.

Last Updated: 11 September 2026

Disclaimer

This Privacy Policy is for informational purposes only and does not constitute legal advice. You should consult a qualified legal professional for advice regarding your specific situation. 99EXCH reserves the right to modify this Privacy Policy at any time without prior notice. Your continued use of our platform after changes constitutes your acceptance of the updated policy.