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What Our Legal Terms Mean for Your Account

Our legal framework sets out your rights, our obligations, and how account access works for Malaysia — including how your data is stored, how disputes are handled, and which conditions apply when local law permits access.

Account eligibility by local lawData handling and retention policyCookie and tracking noticeUser rights and access requestsDispute and contact procedures
panen99 What Our Legal Terms Mean for Your Account
HOW WE HANDLE YOUR DATA

Data, Cookies, Security and Your Rights

We apply account-level security across every session — your login is protected by a one-time password (OTP) step, and all data between your device and our platform travels over SSL encryption. We do not store your Touch 'n Go eWallet or Boost credentials on our servers; payment authentication happens entirely within each wallet's own secure environment. Cookie use on panen99 covers session management, account preference retention, and aggregate analytics — no behavioural advertising cookies are set without your opt-in.

Account Security

Every login requires OTP verification to your registered mobile number. Suspicious activity triggers an automatic session lock, and you can review active sessions from your account settings page.

Data Retention

We keep your account data — including GrabPay and FPX deposit records — for the period required by applicable Malaysian financial rules, then delete or anonymise it on request after account closure.

Cookie Policy

Session cookies keep you logged in during play. Analytics cookies help us improve lobby layout. You can adjust cookie preferences in your browser settings at any time without affecting account access.

Your Rights

You can request a copy of all data we hold on your account, ask us to correct inaccurate records, or request deletion once your account is closed. Contact us via email with your account username to start the process.

LEGAL CONTACT PATHS

How to Reach Us on Legal and Account Matters

Legal queries — data access requests, account closure, dispute escalation — are handled through dedicated contact paths. Use the correct channel for your query type and include your account username so we can locate your records without delay. Response times vary by query complexity; simpler data requests are typically resolved faster than formal disputes.

Live Chat Raise account-related legal queries directly through the live chat window. Quote your registered email so our team can pull your account record and respond accurately.
Email Support Submit formal data-access requests, account closure notices, or written dispute records via our support email. Include your full account username and the nature of your legal query.
Account Portal Your account settings section lets you update personal details, review your linked e-wallet — Touch 'n Go eWallet, Boost, or GrabPay — and download a copy of your transaction history.

Common Legal and Policy Questions

If you have a question about your rights, your account data, or how our legal terms apply in Malaysia, check the answers below. For anything not covered here, our support team is reachable via live chat or email.

These terms apply to anyone who opens an account with us in a region where access is permitted under local law. By registering, you confirm you meet the eligibility conditions set out in our full terms.

Send a data-access request to our support email with your account username and registered email address. We will compile and return a summary of the personal and transaction data held on your account.

No. When you deposit via Touch 'n Go eWallet, Boost, or GrabPay, authentication happens inside each wallet's own secure environment. We only record the deposit amount and transaction reference for account verification.

Your account data — including deposit records via DuitNow or FPX — is retained for the period required under Malaysian financial record-keeping rules, then deleted or anonymised upon your written request.

Yes. Raise a formal dispute through our support email, including your account username, the transaction reference, and the amount in question. Our team will review the record and respond with a finding.

We will notify you by email to your registered address before any material changes take effect. If you do not agree with the updated terms, you may close your account and request your data before the change date.
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Legal

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

Access may be available only where local law permits.