Your personal data matters to us. Find out clearly how 95ko collects your information, why we store it, and how we keep it safe — all in one place.
Our privacy policy is built with one goal in mind: giving you the highest level of protection. The following principles are the foundation of our commitment.
All your data is protected with 256-bit SSL encryption. Every transaction — from login to payment — is completed through encrypted channels.
95ko never sells your personal information to third parties. Only limited data is shared with partners strictly necessary for operating our services.
You can view, correct, or delete your personal data at any time. Data portability and the right to withdraw consent are also available to you.
Our systems are regularly audited by independent security experts. Any vulnerabilities identified are promptly addressed and resolved.
We are fully transparent about which cookies we use and why. You have the option to disable all non-essential cookies at any time.
You can opt out of promotional emails or SMS at any time with ease. We don't believe in unwanted communications.
Welcome to 95ko. This Privacy Policy explains how we — the organization operating the 95ko platform — collect, store, use, and protect your personal information.
This policy applies to the https://95ko.app website and all associated services and mobile applications. By creating an account or using our services, you are deemed to have accepted this Privacy Policy.
We believe transparency is the best policy. That's why this privacy policy is written in plain, straightforward language — so every member in Bangladesh can easily understand it. Nothing is hidden behind complex legal jargon.
Important: 95ko may update this Privacy Policy from time to time. For significant changes, registered members will be notified by email in advance. We recommend checking this page regularly.
95ko collects only the information necessary to operate our services. Requesting unnecessary data goes against our principles. Below is a detailed breakdown of what we collect and why.
We collect the information you provide when creating an account, including:
Additional information may be collected during the KYC process for security and legal compliance purposes:
The following information is recorded to ensure the security of financial transactions:
When you use 95ko, certain information is collected automatically:
We never collect your full payment card number or bank account password. Payment information is processed directly through our payment processors.
95ko uses your information solely for the purposes listed below. Your data is never used for any hidden agenda.
| Purpose of Use | Data Used | Legal Basis |
|---|---|---|
| Account Management | Name, Email, Mobile | Contract Performance |
| Identity Verification (KYC) | ID document, photo | Legal Obligations |
| Payment Processing | Payment details, transaction logs | Contract Performance |
| Fraud Prevention | IP, device, and login logs | Legitimate Interest |
| Promotional Communications | Email, Mobile | Consent |
| Service Improvement | Usage Patterns & Preferences | Legitimate Interest |
| Legal Compliance | All data types | Legal Obligations |
If you no longer wish to receive promotional emails or SMS, contact our support team at any time or use the unsubscribe link at the bottom of any email. Important account-related notifications will continue to be sent.
95ko never sells your personal information. However, limited data may be shared in the following circumstances to operate our services.
Limited data is shared with payment processors (bKash, Nagad, Rocket), IT infrastructure providers, and KYC verification service providers. These partners may only use your data for their designated tasks, and confidentiality agreements are in place with each of them.
Under Bangladeshi law or international regulations, we may be required to disclose information at the direction of a government authority or court order. Where possible, we will notify you in advance.
Limited data may be shared with industry-recognized fraud prevention organizations to help detect and prevent fraud, money laundering, and other illegal activity.
In the event of a future merger, acquisition, or asset sale, your information may be transferred. You will be notified in advance, and the standards of this Privacy Policy will be upheld.
Clear Statement: 95ko never sells or rents your information to advertisers, marketing agencies, or third-party data brokers.
The 95ko website uses cookies and similar tracking technologies. Cookies are small text files stored in your browser that help enhance your experience.
You can delete or block cookies at any time through your browser settings. Please note that disabling essential cookies may affect the functionality of certain features on the site.
We use anonymized data to analyze site usage statistics. This does not reveal your personal identity in any way.
We do not retain your data longer than necessary. The following policy guides how long we keep different types of information.
| Data Type | Retention Period |
|---|---|
| Account Information | 5 years after account closure |
| Financial Transaction Records | 7 years from the date of transaction |
| KYC Documents | 5 years after account closure |
| Communication Records | 3 years from the date of contact |
| Cookie data | End of session or maximum 1 year |
| Gaming logs | 2 years from the date of activity |
Certain data may need to be retained beyond the periods stated above due to legal obligations. Once the retention period expires, data is securely deleted or anonymized.
As a 95ko member, you have several important rights over your own data. We respect these rights and make them easy to exercise.
You may request to view the information we hold about you. We typically respond within 30 days.
You can correct any inaccurate or incomplete information via your account settings or by contacting support.
You may request deletion of your data where there is no legal obligation requiring us to retain it.
In certain circumstances, you may request that we restrict the processing of your data.
You can export your data in a structured format (CSV/JSON).
For data processed on the basis of consent, you may withdraw that consent at any time.
To exercise your rights: Email us at support@95ko.app or reach us via live chat. Once your identity is verified, requests are typically processed within 30 business days.
95ko uses industry-leading security technology to protect your data. Our security layers are as follows.
While extremely rare, should a data breach occur, we will:
Your account security is a shared responsibility. Use a strong password, enable 2FA, and never share your login credentials with anyone.
95ko strictly refrains from providing services to anyone under the age of 18. We do not collect or process data relating to minors.
To Parents & Guardians: If you suspect your child is using 95ko without permission, contact us immediately. We will act promptly.
If you have any questions, concerns, or complaints about this privacy policy, please get in touch. We offer support in Bangla and treat every request with the attention it deserves.
To file a data protection complaint, email our Data Protection Officer directly at dpo@95ko.app. We take every complaint seriously and follow up with appropriate action.
Policy Changes: If this privacy policy is updated, the "Last Updated" date at the top of the page will be revised, and members will be notified by email of any significant changes.