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How joya3 Handles Your Personal Information

We collect only what we need to run your account, process your bKash, Nagad or Rocket transactions, and keep your wallet secure.

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PRIVACY HELP CHANNELS

How to Reach Us About Your Data

If you have a question about your personal data, want to correct something, or need a record of what we hold, our support team handles privacy requests directly. You do not need a lawyer or a formal letter — just reach out through one of these channels and mention it is a data request. We aim to respond within a reasonable timeframe once we verify your account ownership.

Live Chat Open live chat from any page on the site. Tell the agent you have a privacy or data request. They will escalate it to the data team, and you will get a response tied to your account within a short window.

Email Support Send your data question to our support email address listed in your account settings. Include your registered phone number so we can locate your records quickly. We reply to privacy emails with priority handling.

Account Settings Log in and visit your account settings page. Some data preferences — like marketing communications and notification choices — you can toggle yourself without waiting for support. For deeper requests, use chat or email.

What This Privacy Policy Covers

joya3 Service availability depends on eligible regions and local law. Users should check local rules before opening an account.

This policy applies to every interaction you have with joya3 — from account registration through to withdrawals via bKash, Nagad or Rocket. When you create an account, we collect your name, phone number, and the mobile wallet details you provide for deposits. We store this so

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your transactions clear correctly and so our support team can verify your identity if you contact us. We also collect device and browser data automatically when you visit the site on your phone or desktop. This helps us keep the platform running smoothly and detect unusual
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login activity on your account. We do not sell your personal information to advertisers or share it with unrelated third parties. Data may be shared with payment processors only to complete your deposit or withdrawal request. Our data retention period lasts as long as your account
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remains active, plus a reasonable period after closure for record-keeping as required in eligible regions. You can request a copy of your stored data or ask for deletion by reaching our support channel. Where local law in Bangladesh applies, we follow it — and where it
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does not clearly govern a situation, we default to keeping your information secure and minimal. Access to the platform and this policy's scope depend on local law and eligible regions.

Service availability depends on eligible regions and local law. Users should check local rules before opening an account.

DATA HANDLING PRACTICES

How We Protect and Manage Your Information

We built our data practices around what actually matters to you: keeping your bKash, Nagad or Rocket wallet details safe, making sure nobody else can access your account, and giving you clear ways to control what we store. Below are the specific areas we manage and how each one works in practice for your account.

Encryption at Rest

Your wallet details and personal information are encrypted when stored on our servers. Even if someone accessed raw storage, they would not see readable account numbers, phone numbers, or transaction histories without the decryption layer.

Cookie Usage

We use cookies to keep you logged in across sessions and to remember your language and display preferences. We do not use tracking cookies from third-party advertisers. You can clear cookies from your mobile browser any time.

Account Security

Each login attempt is verified against your registered phone number. If we detect access from a new device or location, we may ask for additional verification before granting entry to your account wallet.

Data Retention

We keep your data while your account is active. After you close your account, we retain records for a limited period to satisfy any regulatory requirements in eligible regions, then securely delete them.

Third-Party Sharing

We share data only with payment processors who handle your bKash, Nagad or Rocket transactions. No marketing companies, no data brokers, no unrelated platforms receive your personal details from us.

Your Right to Request Changes

You can ask us to correct inaccurate information, export a copy of your stored data, or delete your account entirely. Reach out via live chat or email and we will process your request after verifying your identity.

Common Questions About Your Data and Privacy

Below are the questions we hear most often about how your personal information is handled on joya3. If your question is not here, contact our support team through live chat or email and mention it is a privacy query.

We collect your name, phone number, and the mobile wallet details you provide — whether that is bKash, Nagad or Rocket. We also log your device type and browser version automatically to help secure your account against unauthorised access.

No. We do not sell or share your personal data with advertising networks or data brokers. The only external parties who receive any of your details are payment processors, and only to complete your deposit or withdrawal.

After account closure, we retain your records for a limited period to meet any record-keeping requirements in eligible regions. Once that period ends, your data is securely deleted from our systems and backups.

Yes. Contact our support team via live chat or email with a data export request. After we verify your identity through your registered phone number, we will compile your stored information and send it to you.

Reach out to support and request full account deletion. We will confirm your identity, process any pending withdrawals to your bKash, Nagad or Rocket wallet, and then remove your personal records after the mandatory retention window.

We use session cookies to keep you logged in and preference cookies to remember your settings. We do not run third-party advertising trackers. You can block or clear cookies in your mobile browser settings at any time.

Your wallet number is encrypted at rest on our servers. It is only decrypted during an active transaction — when you initiate a deposit or withdrawal. Support agents see only the last few digits when assisting you.

If we update this policy, we will notify you through your account notification settings or via the email linked to your profile. Material changes take effect after a notice period so you can review them before they apply.

Where local law applies, we follow it. Access to joya3 and the scope of this policy depend on local law and eligible regions. If regulations require us to handle data differently, we adjust our practices accordingly.

Access is restricted to authorised support and operations staff who need it to process your transactions or resolve account issues. We log who accesses what, and internal access is reviewed regularly to prevent misuse.

How joya3 Handles Your Personal Information

How to Reach Us About Your Data

How We Protect and Manage Your Information

Encryption at Rest

Cookie Usage

Account Security

Data Retention

Third-Party Sharing

Your Right to Request Changes

Common Questions About Your Data and Privacy

01 What personal data does joya3 collect when I register?

02 Does joya3 share my information with advertisers?

03 How long do you keep my data after I close my account?

04 Can I get a copy of all the data you hold on me?

05 How do I delete my account and all associated data?

06 What cookies does joya3 use and can I block them?

07 How is my bKash or Nagad wallet number protected?

08 Will this privacy policy change, and how will I know?

09 Does local law in Bangladesh affect how my data is handled?

10 Who at joya3 can access my personal information?

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