Reference

How We Handle Legal Matters at ajoya

We keep our legal policies short, readable and honest. You deserve clarity on how your data moves, what rights your account carries, and how local payment methods like bKash, Nagad, Rocket fit into the picture.

Data TransparencyAccount RightsbKash & Nagad ContextCookie DisclosureRegion-Dependent Access

Browse the Lobby Read FAQ

Our Legal Posture and What It Means for You

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

ajoya operates under a jurisdiction-dependent framework. That means your ability to access our lobby, hold an account, or process payments through bKash, Nagad or Rocket depends on where you are and what local regulations allow. We do not claim universal availability. We state clearly: check your

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own region's stance before opening an account. Our policies cover personal data collection, how we store it, what cookies we place and why, and how long we retain records tied to your wallet activity. If you deposit via bKash or withdraw to Nagad, we keep transaction
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references for the minimum period required by our processing partners. We never sell personal data to third parties for marketing. Your account information stays within our operational scope. Cookie usage on our site supports session management and basic analytics. We do not deploy invasive tracking beyond
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what keeps the lobby functional and your login persistent across devices. You can request a copy of the data we hold on you through our support channels. If you want something amended or removed, we process that within the constraints of any regulatory retention requirement. Where
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local law grants you additional rights, those apply. We aim to respond to formal data requests within a reasonable window and will confirm receipt by the same channel you used to contact us.

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

POLICY CONTACT PATHS

Reach Us About Legal or Data Queries

We keep multiple channels open for legal and data-related questions. Whether you want to request your stored data, ask about cookie handling, or clarify how your bKash deposit records are retained, reach out through any of the paths below. We handle policy queries separately from general account help so your request gets routed to someone who can act on it.

DATA AND ACCOUNT HANDLING

How We Protect and Manage Your Information

Every piece of data you share with us has a defined purpose. We collect what we need to run your account, process bKash or Nagad transactions, and maintain lobby access. Nothing more. Below is a breakdown of how we handle the key areas that matter to you as an account holder in an eligible region.

Data Collection Scope

We collect your name, contact details, payment references and device identifiers. These let us verify your identity, process deposits via bKash, Nagad or Rocket, and keep your session secure across mobile and desktop. We do not request documents beyond what transaction verification requires.

Cookie Policy

Our cookies handle session persistence, language preference and basic analytics. No third-party advertising cookies run on our pages. You can clear cookies from your browser at any time, though this will log you out and reset your display preferences until your next login.

Account Security Measures

We use encrypted connections for every page you load and every transaction you submit. Your password is hashed, never stored in plain text. If you access the lobby from a new device, we trigger a verification step before allowing account activity to proceed.

Data Retention Period

Transaction records tied to bKash, Nagad or Rocket payments are kept for the minimum duration our payment processing partners require. Once that window closes and no regulatory hold applies, we remove or anonymise the record so it cannot be linked back to your account.

Your Right to Request Changes

You can ask us to correct, export or delete personal data we hold. Submit the request through live chat or email. We verify your identity before acting, then process the change. Where local law in your region grants specific timelines, we follow those.

Who Handles Your Query

Legal and data queries go to a dedicated policy team, not general support agents. This team reviews retention obligations, checks regional requirements, and responds with a clear answer or action. If a request is complex, they will tell you the expected timeline upfront.

Common Questions About Our Legal Policies

We get asked these questions regularly. Each answer stays specific to how ajoya handles legal, data and account-rights matters for users in eligible Bangladesh regions who deposit through local wallets like bKash, Nagad and Rocket.

We collect your name, mobile number, email and payment reference from bKash, Nagad or Rocket. Device identifiers are stored to keep your sessions secure. We do not request unnecessary documents unless a transaction triggers additional verification under our processing rules.

Records linked to deposits and withdrawals via bKash, Nagad or Rocket stay on file for the minimum period our payment partners require. After that window, if no regulatory hold exists, we anonymise or delete the data so it cannot be traced back to you.

Yes. Use the live chat or email channel and state you want a data export. We verify your identity first, then compile what we have tied to your account. Expect the export within a reasonable timeframe depending on the volume of stored records.

No. We do not sell or provide your personal information to external companies for their advertising purposes. Data only moves to our payment processing partners and internal operational tools that keep your account and transactions running.

We use session cookies, a language preference cookie and a basic analytics cookie. No third-party ad trackers run on our pages. You can block or clear cookies in your browser settings. Doing so will log you out and reset display preferences.

Access depends on your local law and eligible regions. We do not claim universal availability. If regulations in your area restrict access, the responsibility to verify that rests with you before opening or using an account on our platform.

Contact us via live chat or email with the subject line 'Deletion Request.' After identity verification, we process the removal within the limits of any regulatory retention period that still applies. We confirm completion through the same channel you used.

Reach out through live chat or the account settings data tab and flag the incorrect field. Our policy team reviews the correction, verifies your identity, then updates the record. You will receive confirmation once the change is applied.

Every transaction passes through an encrypted connection. We never store your bKash or Nagad PIN. Only the transaction reference and amount are logged on our side. Your wallet credentials remain entirely within the bKash or Nagad app environment.

Use the email channel with a subject line that says 'Formal Complaint' or 'Legal Dispute.' This routes directly to the policy team. They will acknowledge receipt, outline next steps, and give you a reference number to track the resolution process.

How We Handle Legal Matters at ajoya

Reach Us About Legal or Data Queries

How We Protect and Manage Your Information

Data Collection Scope

Cookie Policy

Account Security Measures

Data Retention Period

Your Right to Request Changes

Who Handles Your Query

Common Questions About Our Legal Policies

01 What personal data does ajoya collect when I open an account?

02 How long do you keep my transaction records?

03 Can I request a copy of all data you hold on me?

04 Do you share my data with third parties for marketing?

05 What cookies does the site place and can I block them?

06 Is my account accessible from any region?

07 How do I ask for my personal data to be deleted?

08 What happens if I spot incorrect information on my account?

09 How is my payment information secured during a bKash or Nagad deposit?

10 Who do I contact if I have a legal dispute or formal complaint?

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