Privacy Policy

1. Introduction

momo86 operates as an internationally licensed online betting platform serving customers in Indonesia and other jurisdictions. We recognize the importance of protecting your personal and financial information and are committed to handling your data with the highest standards of security, confidentiality, and transparency.

This Privacy Policy applies to all members, visitors, and users of the momo86 website, mobile platform, and any related services. It describes what personal data we collect, why we collect it, how we use it, who we share it with, and the rights you have regarding your information.

By creating an account or using momo86 services, you acknowledge that you have read and understood this Privacy Policy and consent to the collection, processing, and use of your personal data as described herein. If you do not agree with any provision of this policy, you must immediately cease using the platform and close your account.

2. Data Controller

The data controller responsible for your personal information is momo86, operated under an international gaming license. For data protection inquiries, complaints, or to exercise your privacy rights, you may contact us at:

Email: [email protected] (plain text only, not a clickable link)
Live Chat: Available 24/7 via the momo86 website
WhatsApp & Telegram: Available 24/7 (contact details in your account dashboard)

3. Personal Data We Collect

3.1 Information You Provide Directly

When you register an account with momo86, we collect the following personal information:

• Identity Data: Full legal name, date of birth, gender, and nationality.
• Contact Data: Email address, mobile phone number, and residential address (city, province, postal code).
• Account Credentials: Username, password (encrypted and never stored in plain text), and two-factor authentication settings.
• Financial Data: Payment method details including bank account numbers (BCA, BRI, BNI, Mandiri, CIMB Niaga, OCBC NISP), e-wallet account numbers (OVO, DANA, GoPay, ShopeePay), and transaction history.
• Verification Documents: Government-issued photo identification (KTP — Indonesian national identity card), proof of address (utility bills, bank statements), and selfie photos for identity verification (KYC).
• Communication Data: Records of your interactions with customer support, including live chat transcripts, emails, WhatsApp messages, and Telegram conversations.

3.2 Information We Collect Automatically

When you access or use momo86, we automatically collect certain technical and usage data:

• Device Information: Device type (desktop, mobile, tablet), operating system (Windows, macOS, Android, iOS), browser type and version, screen resolution, and device identifiers.
• Connection Data: IP address, internet service provider (ISP), geolocation data (country, region, city derived from IP), and time zone (WIB, WITA, WIT).
• Usage Data: Pages visited, features used, time spent on each page, click patterns, bet placement history, game play history, deposit and withdrawal activity, and login timestamps.
• Cookies and Tracking Technologies: Session cookies, persistent cookies, local storage data, and analytics tags. See Section 10 for detailed cookie policy.

3.3 Information from Third Parties

We may receive personal data about you from third-party sources, including:

• Payment Processors: Transaction confirmation and fraud prevention data from Indonesian banks (BCA, BRI, BNI, Mandiri) and e-wallet providers (OVO, DANA, GoPay, ShopeePay).
• Identity Verification Services: Data from KYC verification vendors that confirm the authenticity of your government-issued identification documents.
• Affiliate Partners: Referral source data if you accessed momo86 through an affiliate link or promotional campaign.
• Fraud Prevention Databases: Information from industry-wide fraud prevention networks to detect suspicious activity and protect member accounts.

4. How We Use Your Personal Data

momo86 processes your personal information for the following legitimate purposes:

4.1 Account Management and Service Delivery

• Creating and maintaining your momo86 account.
• Processing deposits, withdrawals, and internal fund transfers.
• Providing access to sports betting markets (BRI Liga 1, English Premier League, La Liga, Champions League, etc.), live casino games, slot games, and lottery games including togel (Indonesia's traditional numbers lottery).
• Tracking your betting history, transaction records, and bonus activity.
• Communicating important account notifications, including successful deposits, withdrawal confirmations, bonus credits, and security alerts.

4.2 Legal and Regulatory Compliance

• Verifying your identity and age to enforce the 21+ age restriction required by Indonesian gambling regulations.
• Complying with Know Your Customer (KYC) and Anti-Money Laundering (AML) requirements under international gaming regulations.
• Detecting and preventing fraud, money laundering, bonus abuse, and other prohibited activities.
• Responding to legal requests from law enforcement, regulatory authorities, or courts of competent jurisdiction.
• Maintaining records required by our international gaming license.

4.3 Security and Fraud Prevention

• Monitoring account activity for suspicious behavior, including unauthorized access attempts, duplicate accounts, collusion, and bot usage.
• Implementing fraud detection algorithms to identify unusual betting patterns, payment fraud, and identity theft.
• Protecting the integrity of our games and preventing cheating or exploitation of software vulnerabilities.
• Securing your account with two-factor authentication, IP whitelisting, and session management controls.

4.4 Customer Support and Communication

• Responding to your inquiries, complaints, and support requests via live chat, email, WhatsApp, and Telegram.
• Sending transactional emails and SMS notifications related to deposits, withdrawals, bet confirmations, and bonus awards.
• Providing personalized customer service based on your account history and preferences.
• Conducting quality assurance reviews of customer support interactions to improve service standards.

4.5 Marketing and Promotions (With Your Consent)

• Sending promotional emails, SMS messages, and push notifications about bonuses, free spins, cashback offers, and special events.
• Personalizing bonus offers based on your betting history, game preferences, and VIP tier (Bronze, Silver, Gold).
• Inviting you to participate in exclusive tournaments, seasonal promotions (Indonesian Independence Day, Idul Fitri, Chinese New Year), and loyalty reward programs.

Important: You can opt out of marketing communications at any time by adjusting your account preferences, clicking the unsubscribe link in promotional emails, or contacting customer support. Opting out of marketing does not affect transactional communications, which are necessary for account operation.

4.6 Platform Improvement and Analytics

• Analyzing user behavior and betting patterns to improve game selection, odds compilation, and platform features.
• Conducting A/B tests on user interface designs, promotional offers, and payment flows.
• Monitoring platform performance, uptime, and technical issues to maintain 99.9% availability.
• Developing new features based on member feedback and usage data.

5. Legal Basis for Processing

Under international data protection standards, momo86 processes your personal data based on the following legal grounds:

• Contractual Necessity: Processing is required to fulfill our contract with you (providing betting services, processing payments, maintaining your account).
• Legal Obligation: Processing is necessary to comply with legal requirements (KYC verification, AML checks, age verification, tax reporting, regulatory audits).
• Legitimate Interest: Processing is necessary for our legitimate business interests (fraud prevention, security monitoring, platform improvement, customer support) provided those interests do not override your fundamental rights.
• Consent: For marketing communications and non-essential cookies, we rely on your explicit consent, which you may withdraw at any time.

6. Data Sharing and Disclosure

6.1 Third-Party Service Providers

momo86 shares your personal data with trusted third-party service providers who assist in operating our platform. These providers are contractually bound to use your data only for the specific services they provide and must maintain equivalent data security standards. Categories of third-party processors include:

• Payment Processors: Indonesian banks (BCA, BRI, BNI, Mandiri, CIMB Niaga, OCBC NISP) and e-wallet providers (OVO, DANA, GoPay, ShopeePay) that process deposits and withdrawals.
• KYC Verification Providers: Identity verification services that authenticate your government-issued identification documents.
• Game Content Providers: Pragmatic Play, Evolution Gaming, NetErt, Microgaming, Spribe, and Pocket Games Soft — studios that provide live casino, slot, and specialty games.
• Cloud Hosting Providers: Data center operators that host our servers and databases with enterprise-grade security.
• Customer Support Platforms: Live chat, email, and ticketing systems used by our 24/7 support team.
• Analytics Providers: Services that help us understand user behavior and improve platform performance.
• Fraud Prevention Services: Industry databases and monitoring tools that detect suspicious activity and protect member accounts.

6.2 Legal and Regulatory Authorities

momo86 may disclose your personal data to legal and regulatory authorities when required by law, including:

• Responding to valid legal requests from law enforcement agencies investigating criminal activity.
• Complying with court orders, subpoenas, or regulatory inquiries from gaming authorities.
• Reporting suspicious transactions to financial intelligence units as required by AML regulations.
• Cooperating with tax authorities regarding tax reporting obligations.

6.3 Business Transfers

In the event of a merger, acquisition, corporate restructuring, or sale of assets, your personal data may be transferred to the acquiring entity. We will notify you of any such transfer and ensure that the new entity continues to honor the commitments made in this Privacy Policy.

6.4 Affiliates and Marketing Partners

momo86 does not sell or rent your personal information to third-party marketers. We may share anonymized, aggregated data with affiliate partners for performance tracking purposes (e.g., confirming that a referral resulted in account registration), but this data cannot be used to identify individual users.

7. Data Security

momo86 implements industry-leading security measures to protect your personal and financial information from unauthorized access, disclosure, alteration, or destruction:

• 256-Bit SSL Encryption: All data transmitted between your device and our servers is encrypted using Transport Layer Security (TLS) protocols.
• Secure Data Storage: Personal data is stored on encrypted servers in geographically distributed data centers with 24/7 physical and electronic monitoring.
• Password Protection: Account passwords are hashed using bcrypt algorithms and are never stored in plain text.
• Two-Factor Authentication (2FA): Optional 2FA adds an extra layer of security by requiring a time-based one-time password (TOTP) for login.
• Firewall Protection: Multi-layer firewalls prevent unauthorized access to our network infrastructure.
• Regular Security Audits: Independent security firms conduct penetration testing and vulnerability assessments quarterly.
• Employee Access Controls: Only authorized personnel with legitimate business needs can access personal data, and all access is logged and monitored.
• Data Minimization: We collect only the data necessary to provide our services and delete records when they are no longer required.

8. Data Retention

momo86 retains your personal data for as long as necessary to fulfill the purposes outlined in this Privacy Policy and comply with legal obligations:

• Active Accounts: Data is retained for the duration of your account activity and for a reasonable period after your last login to allow account reactivation.
• Closed Accounts: After voluntary account closure, we retain your data for 5 years to comply with AML regulations, tax reporting requirements, and to resolve any disputes or legal claims.
• Transaction Records: Deposit, withdrawal, and betting history are retained for 7 years as required by financial auditing standards and gaming regulations.
• KYC Documents: Identity verification records are retained for 5 years after account closure as required by AML laws.
• Marketing Data: If you opt out of marketing communications, your contact information is added to a suppression list indefinitely to ensure we do not re-contact you.
• Log Files: Server logs, IP addresses, and session data are retained for 90 days for security monitoring and fraud detection, then deleted unless required for ongoing investigations.

After retention periods expire, personal data is securely deleted or anonymized so that it can no longer be associated with you.

9. Your Privacy Rights

Under international data protection standards, you have the following rights regarding your personal data:

9.1 Right to Access

You have the right to request a copy of all personal data we hold about you. To exercise this right, contact customer support with your account username and registered email. We will provide a comprehensive data report within 30 days.

9.2 Right to Rectification

If any personal information we hold is inaccurate or incomplete, you have the right to request correction. You can update most information (email, phone, address) directly in your account settings. For changes to your legal name or date of birth, contact support with supporting documentation.

9.3 Right to Erasure

You have the right to request deletion of your personal data in certain circumstances, such as when the data is no longer necessary for the purposes it was collected or when you withdraw consent for marketing communications. However, we may retain data where required by legal obligations (AML, tax reporting, dispute resolution) or where retention is necessary to establish, exercise, or defend legal claims.

9.4 Right to Restrict Processing

You may request that we limit how we use your data in specific situations, such as when you contest the accuracy of your data or object to processing based on legitimate interests. During the restriction period, we will store your data but not actively process it except with your consent or for legal purposes.

9.5 Right to Data Portability

You have the right to receive your personal data in a structured, commonly used, machine-readable format (e.g., CSV, JSON) and to transmit that data to another service provider where technically feasible.

9.6 Right to Object

You have the right to object to processing based on legitimate interests or for direct marketing purposes. If you object to marketing, we will immediately cease sending promotional communications. If you object to processing for other purposes, we will cease processing unless we can demonstrate compelling legitimate grounds that override your interests.

9.7 Right to Withdraw Consent

Where processing is based on consent (e.g., marketing emails, optional analytics cookies), you may withdraw consent at any time without affecting the lawfulness of processing conducted prior to withdrawal.

9.8 Right to Lodge a Complaint

If you believe momo86 has violated your privacy rights, you have the right to lodge a complaint with the data protection authority in the jurisdiction where our license is held. Contact details for the relevant authority will be provided upon request.

10. Cookies and Tracking Technologies

10.1 What Are Cookies

Cookies are small text files stored on your device when you visit momo86. They help us recognize your device, remember your preferences, and improve your user experience. momo86 uses both session cookies (deleted when you close your browser) and persistent cookies (remain on your device for a set period).

10.2 Types of Cookies We Use

• Essential Cookies: Required for core platform functionality including login authentication, session management, and secure transactions. These cookies cannot be disabled without breaking the site.
• Functional Cookies: Remember your preferences such as language settings, time zone (WIB/WITA/WIT), and display options.
• Analytics Cookies: Collect anonymized data about how you use momo86, including page views, navigation paths, and feature usage. This helps us optimize the platform.
• Marketing Cookies: Track your interaction with promotional content and advertisements to measure campaign effectiveness and personalize offers. These require your consent.

10.3 Managing Cookies

You can control cookie preferences through your browser settings. Most browsers allow you to block or delete cookies, although this may affect platform functionality. To manage marketing cookies, adjust your settings in your momo86 account dashboard under Privacy Preferences.

11. International Data Transfers

momo86 operates internationally and may transfer your personal data to countries outside Indonesia for processing and storage. These transfers are necessary to provide our services, as our servers, payment processors, and third-party providers are located in multiple jurisdictions.

When transferring data internationally, we ensure appropriate safeguards are in place, including:

• Standard contractual clauses approved by data protection authorities.
• Data processing agreements requiring equivalent security standards.
• Transfer only to jurisdictions with adequate data protection frameworks.

12. Children's Privacy

momo86 strictly prohibits use by individuals under 21 years of age. We do not knowingly collect personal data from minors. If we discover that a user is under 21, we will immediately close the account, void all bets, and delete associated personal data. Parents or guardians who believe a minor has created an account should contact support immediately.

13. Changes to This Privacy Policy

momo86 reserves the right to update this Privacy Policy at any time to reflect changes in our practices, legal requirements, or platform features. Material changes will be communicated via email, account notifications, or a prominent notice on the website. The "Last Updated" date at the top of this policy indicates when changes were last made.

Your continued use of momo86 following any updates constitutes acceptance of the revised Privacy Policy. We encourage you to review this page periodically to stay informed about how we protect your data.

14. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or how momo86 handles your personal data, please contact us:

• Email: [email protected] (plain text only, not a clickable link)
• Live Chat: Available 24/7 via the momo86 website
• WhatsApp & Telegram: Available 24/7 (contact details in your account dashboard)

Our customer support team is trained to handle privacy inquiries and will respond to your request within 48 hours. For formal data protection requests (access, deletion, portability), please allow up to 30 days for processing.