Hoy Bhaji's Privacy Policy — Every piece of your data is a trust we hold sacred

Hoy Bhaji collects certain information to keep your experience safe and seamless. This data falls into two main categories:

a. Information You Provide Directly:

• Full name, date of birth, and nationality
• Mobile number and email address
• Residential address
• National ID or passport number (for KYC verification)
• Payment method details (not the full card number — only the last 4 digits and method name)

b. Automatically Collected Information:

• IP address & device type
• Browser version and operating system
• Traffic source (referral information)
• Session duration & usage patterns
• Login time and location (IP-based, not GPS)

Hoy Bhaji collects information through various methods, always ensuring users are fully aware and actively participating:

• Registration form: Directly from you at the time of account creation.
• KYC Process: From documents uploaded during identity verification.
• Transaction records: Automatically, during deposits and withdrawals.
• Cookies & Session Data: Automatically, while you browse the platform.
• Support Chat: When you contact our support team, your conversation may be recorded.

Hoy Bhaji never purchases your personal data from third parties or collects it without your consent.

Hoy Bhaji uses your information only for specific, legitimate purposes. See the table below for full details:

Hoy Bhaji does not use your information for any purpose beyond those stated above. Should we ever need to use it for a new purpose, your consent will be obtained first.

Hoy Bhaji retains your data only for as long as necessary. The general rules are:

• For as long as your account remains active: Core account information is retained until your account is closed.
• After account closure: Transaction and KYC records may be retained for 5 years to meet legal obligations.
• Support Chat: Retained for 6 months, then permanently deleted.

What Hoy Bhaji does to protect your data:

• All data stored on our servers is protected with 256-bit AES encryption.
• Every data transfer is encrypted using the TLS 1.3 protocol.
• Multi-factor authentication is required for all server access.
• Regular third-party security audits are conducted.
• Automated 24/7 monitoring is in place for suspicious activity.

Hoy Bhaji does not sell your data. However, limited information may be shared with trusted partners to operate our services:

• Payment Processors: bKash, Nagad, Rocket, and bank — only the information necessary to complete the transaction.
• KYC Verification Services: With regulator-approved entities for identity verification purposes.
• IT Service Providers: For server hosting and technical support — always under a confidentiality agreement.
• Legal & regulatory authorities: When required by a court or government authority pursuant to a legal order or investigation.

Outside of the cases mentioned above, Hoy Bhaji does not share your information with any third parties. Partner organizations are also bound by confidentiality agreements and may not use your data beyond what is permitted.

Hoy Bhaji uses cookies and similar technologies on its website and app. These fall into three categories:

• Essential Cookies: To keep your login session active and secure — these are required for the service to function.
• Functional Cookies: To remember your language preferences and other settings.
• Analytics Cookies: To understand which parts of the platform are used most — this data is aggregated and fully anonymized.

You can disable cookies in your browser settings, though some features may not work as a result. We do not use third-party advertising tracking cookies.

Every registered Hoy Bhaji user has the following rights. To exercise any of them, please contact our support team:

All Hoy Bhaji services are strictly for users aged 18 and above. We do not knowingly collect any information from anyone under the age of 18.

If we become aware that a minor has created an account, we will immediately suspend it and delete all associated data. If you believe your child has registered on Hoy Bhaji, please contact us at [email protected].

Hoy Bhaji reserves the right to update this Privacy Policy as needed. For significant changes, we will:

• We will post a clear notice on the platform.
• We will notify registered users via email or SMS.
• We will update the "Last Updated" date at the top of the page.

Continued use of the service after any changes constitutes your acceptance of the updated policy.

For any privacy-related questions, requests, or complaints, please reach out to us:

• Email: [email protected]
• Live chat: Available 24/7 on the Hoy Bhaji platform

We typically respond within 48 hours. For urgent data breach matters, an initial response is provided within 24 hours.