fh99 Privacy Policy

Introduction

fh99 ("we", "us", "our") operates the online gaming and sports betting platform available at fh99.io (the "Platform"). We are committed to protecting and respecting the privacy of every individual who visits or registers on our Platform, particularly players based in Bangladesh.

This Privacy Policy sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by fh99. Please read the following carefully to understand our practices regarding your personal data.

This policy applies to all users of the Platform, including visitors who browse without registering, registered account holders, and any individual who communicates with fh99 through any channel including live chat and email. It covers data collected through the fh99 website, mobile-optimised browser, and any related digital service operated under the fh99 brand.

This Privacy Policy should be read alongside our Terms & Conditions, which form a separate but related agreement governing your use of the Platform.

Data We Collect

fh99 collects personal data through several channels: directly from you when you register an account or contact us; automatically when you use the Platform; and from third-party identity verification and payment service providers. The categories of personal data we collect include:

We do not collect sensitive personal data such as racial or ethnic origin, political opinions, religious beliefs, or health information, except where a user voluntarily discloses information relating to a gambling-related health concern as part of a responsible gaming interaction. In that limited case, the data is used solely to provide support.

We do not collect full payment card numbers. All financial transactions are processed through third-party payment providers, and fh99 only receives tokenised or masked references sufficient to identify the payment method for reconciliation purposes.

How We Use Your Data

fh99 uses the personal data we collect for the following purposes:

• Account creation and management: To register your account, verify your identity and age (21+ requirement), maintain your account balance, and enable you to access all Platform features.
• Payment processing: To facilitate deposits and withdrawals in Bangladeshi Taka (৳) through bKash, Nagad, Rocket, Upay, Dutch-Bangla Bank, City Bank, BRAC Bank, and other approved payment methods.
• Customer support: To respond to your enquiries, resolve disputes, and provide assistance via live chat and email, available 24/7.
• Fraud prevention and security: To detect and prevent fraudulent transactions, money laundering, multiple account registrations, and other prohibited activities outlined in our Terms & Conditions.
• Responsible gaming compliance: To monitor gameplay patterns, enforce deposit limits and self-exclusion requests, and provide responsible gaming interventions where appropriate.
• Legal and regulatory compliance: To maintain records required by applicable financial regulations and to respond to lawful requests from competent authorities.
• Platform improvement: To analyse aggregated, anonymised usage data to improve the performance, design, and content of the fh99 Platform.
• Marketing communications: To send promotional offers, bonus notifications, and relevant platform updates to users who have opted in to receive such communications. You may opt out at any time.

fh99 does not use your personal data for automated decision-making that produces legal or similarly significant effects on you, except in the context of fraud screening where automated risk scoring is used as part of a broader manual review process.

Legal Basis for Processing

fh99 processes your personal data on the following legal grounds:

• Contractual necessity: Processing required to perform the contract between you and fh99, including account management, payment processing, and customer support. Without this processing, we cannot provide the Platform services.
• Legitimate interests: Processing carried out for fraud prevention, platform security, internal analytics, and responsible gaming monitoring, where our legitimate business interests do not override your privacy rights.
• Legal obligation: Processing required to comply with applicable financial, anti-money-laundering, and consumer protection regulations.
• Consent: Processing for direct marketing communications, where you have freely given, specific, and informed consent. You may withdraw this consent at any time without affecting the lawfulness of processing carried out prior to withdrawal.

Sharing Your Data

fh99 does not sell, rent, or trade your personal data to any third party. We share personal data only in the following limited circumstances:

• Payment service providers: Data shared with bKash, Nagad, Rocket, Upay, Dutch-Bangla Bank, City Bank, BRAC Bank, and other payment partners strictly to process your transactions. These providers are contractually bound to process data only as instructed by fh99.
• Identity verification partners: Third-party KYC (Know Your Customer) providers who verify your identity documents and age in connection with account registration and the 21+ requirement. These partners operate under strict data processing agreements.
• Game content providers: Game studios including Pragmatic Play, Evolution Gaming, NetEnt, Ezugi, Microgaming, and Spribe receive a session token and anonymised player identifier to deliver game content. They do not receive your name, contact details, or financial information.
• IT infrastructure providers: Hosting, cloud storage, and security service providers who process data on our behalf under contractual data processing agreements that prohibit independent use of your data.
• Legal authorities: Where required by applicable law, court order, or a lawful request from a competent regulatory or law enforcement authority. fh99 will notify you of such requests where legally permitted to do so.
• Business transfers: In the event that fh99 undergoes a merger, acquisition, or sale of assets, your personal data may be transferred to the successor entity. You will be notified of any such transfer and the Privacy Policy applicable to your data following the transfer.

Cookies & Tracking Technologies

fh99 uses cookies and similar tracking technologies to improve your experience on the Platform, maintain session state, and gather aggregated analytics. The types of cookies we use include:

• Strictly necessary cookies: Essential for the Platform to function correctly, including authentication cookies that keep you logged in during your session and security tokens that protect against cross-site request forgery. These cannot be disabled.
• Functional cookies: Remember your preferences such as language setting, display preferences, and responsible gaming configuration (e.g., session reminder intervals).
• Analytics cookies: Collect anonymised data about how users navigate the Platform, which pages are visited most frequently, and where errors occur. This data is used solely to improve Platform performance.
• Marketing cookies: Used only where you have provided explicit consent, to record which promotional offers you have viewed and to avoid showing you the same offer repeatedly.

You may manage your cookie preferences through your browser settings. Please note that disabling strictly necessary cookies will impair the functionality of the fh99 Platform and may prevent you from completing transactions or accessing your account.

fh99 does not use third-party advertising cookies or allow advertising networks to place cookies on the Platform.

Data Retention

fh99 retains personal data for as long as is necessary to fulfil the purposes for which it was collected, subject to longer retention periods required by applicable law. Our standard retention schedule is as follows:

• Active account data: Retained for the lifetime of the account and for a minimum of five years after the account is closed, to comply with anti-money-laundering record-keeping obligations.
• Transaction records: Retained for a minimum of seven years from the date of the transaction, consistent with financial record-keeping requirements.
• Identity verification documents: Retained for the duration of the account and for five years post-closure, after which they are securely deleted or anonymised.
• Customer support correspondence: Retained for three years from the date of the last interaction, or longer where the communication relates to an unresolved dispute.
• Marketing preference records: Retained for two years from the date you last interacted with a marketing communication, or until you withdraw consent, whichever is sooner.
• Analytics and session data: Anonymised within 90 days of collection; raw session logs are deleted after 12 months.

At the end of the applicable retention period, personal data is securely deleted or irreversibly anonymised. fh99 conducts annual data inventory reviews to ensure retention schedules are adhered to.

Security Measures

fh99 implements a range of technical and organisational security measures to protect your personal data against unauthorised access, loss, destruction, or alteration. These measures include:

• Transport Layer Security (TLS 1.3): All data transmitted between your device and the fh99 Platform is encrypted in transit using TLS 1.3, the current industry standard for secure communications.
• Data encryption at rest: Personal data stored on fh99 servers is encrypted using 256-bit AES encryption.
• Password security: User passwords are never stored in plain text. They are processed through a one-way hashing algorithm with a unique salt per account, ensuring that even in the unlikely event of a data breach, plain-text passwords cannot be recovered.
• Two-factor authentication (2FA): Mobile OTP verification is available and encouraged for all fh99 accounts. Sensitive account actions such as withdrawal requests require OTP confirmation.
• Access controls: Personal data is accessible only to fh99 staff with a verified operational need. Access is controlled through role-based permissions, and all access events are logged and auditable.
• Vulnerability management: The fh99 Platform undergoes regular security assessments, including penetration testing and code reviews, to identify and address potential vulnerabilities before they can be exploited.
• Incident response: fh99 maintains a documented incident response plan. In the event of a data breach that is likely to result in risk to affected individuals, we will notify impacted users promptly and take all reasonable steps to mitigate harm.

While fh99 takes every reasonable precaution to protect your data, no internet-based platform can guarantee absolute security. You are responsible for maintaining the confidentiality of your account credentials and for notifying us immediately if you suspect any unauthorised access to your fh99 account.

Your Rights

As a data subject, you hold the following rights in relation to the personal data fh99 processes about you. To exercise any of these rights, please contact us at the email address provided in Section 13 of this policy.

• Right of access: You may request a copy of the personal data fh99 holds about you, along with information about how it is processed. We will respond to verified access requests within 30 days.
• 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. Many details can be updated directly through your account settings.
• Right to erasure: You may request deletion of your personal data where it is no longer necessary for the purposes for which it was collected, where you withdraw consent (and no other legal basis applies), or where the data has been processed unlawfully. This right is subject to our legal retention obligations described in Section 7.
• Right to restrict processing: You may request that we pause the processing of your personal data in certain circumstances, such as while a dispute about its accuracy is being resolved.
• Right to data portability: Where processing is based on your consent or contractual necessity, you may request a copy of your personal data in a structured, commonly used, machine-readable format.
• Right to object: You have the right to object to processing based on legitimate interests, including direct marketing. Upon receipt of a valid objection to marketing, we will cease sending promotional communications within 5 business days.
• Right to withdraw consent: Where processing is based on your consent, you may withdraw that consent at any time. Withdrawal does not affect the lawfulness of processing carried out prior to withdrawal.

fh99 will not charge a fee for handling routine data rights requests. We reserve the right to charge a reasonable administrative fee or decline requests that are manifestly unfounded, repetitive, or excessive.

Children & Minors

The fh99 Platform is strictly intended for adults aged 21 and above. We do not knowingly collect, process, or store personal data from individuals under the age of 21. Our registration process includes mandatory age verification steps, and any account found to have been created by a person under 21 will be closed immediately, with all associated funds forfeited in accordance with our Terms & Conditions.

If you believe that a minor has registered an account on fh99, or if you are aware that a minor is accessing or using the Platform, please contact us immediately at [email protected] so that we can take appropriate action. fh99 takes underage gambling seriously and cooperates fully with parents and guardians who report such concerns.

Parents and guardians are encouraged to use parental control software to restrict access to online gambling platforms on shared or family devices. fh99 is not responsible for circumvention of such controls by minors, but we will cooperate fully with any verified report of underage access.

Third-Party Links

The fh99 Platform does not contain links to external third-party websites for general browsing or commercial purposes. However, game content provided by third-party studios (such as Pragmatic Play, Evolution Gaming, NetEnt, and others) is embedded within the Platform and is subject to the respective provider's data practices as they relate to gameplay session data.

fh99 exercises contractual oversight over the game providers integrated into the Platform and requires them to handle any data received in connection with fh99 sessions in a manner consistent with this Privacy Policy. However, fh99 accepts no responsibility for the independent privacy practices of any third-party organisation, and we encourage you to review the relevant privacy policies of game content providers if you have specific concerns.

Changes to This Privacy Policy

fh99 reserves the right to update or amend this Privacy Policy at any time to reflect changes in our data practices, applicable law, or the features offered on the Platform. When we make material changes to this policy, we will notify registered users by email and display a prominent notice on the fh99 Platform at least 7 days before the changes take effect.

Minor changes — such as corrections to wording, updated contact details, or clarifications that do not affect the substance of our data practices — may be made without advance notice. The effective date at the top of this document will be updated whenever any change is made.

Your continued use of the fh99 Platform after the effective date of any revised Privacy Policy constitutes your acceptance of the updated terms. We recommend reviewing this page periodically, particularly before making a deposit or engaging with a new Platform feature.

Contact Us

If you have any questions, concerns, or requests relating to this Privacy Policy or fh99's data practices, please contact our Data Support team using the following details:

• Email: [email protected] (plain text — not a clickable link)
• Live Chat: Available 24 hours a day, 7 days a week directly on the fh99 Platform
• Response Time: Live chat under 5 minutes; email within 2 hours
• Language: All privacy-related correspondence must be submitted in English to ensure the fastest possible response

When submitting a data rights request, please include your registered email address, a description of your request, and — where applicable — a copy of a government-issued photo ID so that we can verify your identity before processing the request. This verification step protects your data from being disclosed to or deleted by an unauthorised third party.

fh99 is committed to resolving all privacy-related enquiries fairly and promptly. If you are not satisfied with our response, you retain the right to escalate your concern to the relevant data protection authority in your jurisdiction.