Privacy Policy mera44 — Member Personal Data Protection

1 Introduction and Scope of This Policy

Mera44 takes our responsibility to protect the privacy of every individual who uses our platform seriously. This Privacy Policy applies to all information we collect through the mera44.com website, the mera44 mobile app, and any interactions with our support team and related services.

This document transparently explains:

• The types of personal information we collect and why.
• How that information is used in our day-to-day operations.
• Parties who may access your information and under what circumstances.
• The security measures we take to protect your data.
• Your rights as a data owner and how to exercise them.

This policy is subject to amendment from time to time. Any significant changes will be communicated to members via in-platform notifications or email. The "Last Updated" date at the top of this document always reflects the latest version in effect.

2 Information We Collect

Mera44 collects information from you through several means depending on your interactions with our platform. The following are the main categories of information collected:

We only collect information that is genuinely necessary to provide a safe service and comply with legal requirements. We do not collect sensitive information such as biometric data or medical records unless specifically required by law.

3 Purpose of Personal Information Use

Every piece of information we collect is used for clear and lawful purposes. mera44 uses your data for the following purposes:

• Account Management: Creating, verifying and managing your member account securely, including the mandatory identity verification (KYC) process.
• Transaction Processing: Processing all deposits, withdrawals and financial activity in your account accurately and securely.
• Fraud Prevention: Monitoring account activity to detect and prevent any attempted fraud, money laundering or other illegal activity.
• Legal Compliance: Fulfilling applicable legal and regulatory obligations, including anti-money laundering (AML) and know your customer (KYC) requirements.
• Service Improvement: Analysing usage patterns to improve platform functionality, user experience and overall technical performance.
• Account-Related Communications: Sending important notifications about your account, transactions, policy updates and security information you need to be aware of.
• Promotions and Marketing: Sending relevant promotional offers based on your preferences — subject to the communication settings you configure in your account.
• Customer Support: Enabling our support team to assist you effectively whenever you reach out through any available channel.

Mera44 does not use your data for any purpose not stated above without first obtaining your additional consent.

4 Information Sharing and Disclosure

Mera44 does not sell or transfer your personal information to third parties for commercial purposes. However, there are limited circumstances in which your information may be shared with certain parties:

• Third-Party Service Providers: Trusted technical partners and payment gateway providers who help us deliver our services — all bound by strict confidentiality agreements.
• Regulatory Authority: Government agencies, courts, or law enforcement bodies when required by a court order or applicable law.
• Identity Verification Provider: KYC and AML services used to verify member identities for legal compliance purposes.
• Business Transfer: In the event of a company merger, acquisition, or asset sale, user information may be transferred as part of the transaction with appropriate prior notice.

In all of the above cases, we ensure that recipients comply with data protection standards equivalent to our own policy and use your information only for permitted purposes.

5 Use of Cookies and Tracking Technologies

Mera44 uses cookies and similar tracking technologies to enhance your experience on our platform. The following are the types of cookies we use:

• Essential Cookies: Required for core platform functions such as login sessions and security. These cookies cannot be disabled as they are essential to platform operation.
• Performance Cookies: Collecting information about how you use the platform to help us identify technical issues and improve overall performance.
• Functional Cookies: Saving your personal preferences such as language, display settings and favourite games to provide a more personalised experience.
• Analytics Cookies: Used to understand overall traffic patterns and user behaviour for the purpose of continuous platform improvement.

You can manage your cookie settings through your web browser at any time. Please note that disabling certain cookies may affect the functionality of some parts of the platform. We recommend keeping essential cookies active for the best experience on mera44.

6 Data Security and Protection

Protecting your personal data is a responsibility we take extremely seriously. mera44 implements multiple layers of technical and organisational security measures to prevent unauthorised access, loss, misuse or disclosure of your data:

• End-to-End Encryption: All data communications between you and our servers are protected with 256-bit SSL/TLS encryption at all times.
• Multi-Layer Firewall: Our server infrastructure is protected by a multi-layer firewall system that continuously monitors and filters incoming traffic.
• Two-Factor Authentication (2FA): Members are encouraged to enable 2FA for an additional layer of protection on their account.
• 24/7 Monitoring: Our technical security team continuously monitors systems to detect any unusual activity or security threats.
• Regular Security Testing: The mera44 platform undergoes regular security audits and penetration testing by independent security experts.
• Internal Access Controls: Access to user data within mera44 is strictly limited based on the principle of least privilege.

While we make every effort to protect your data, no system can guarantee 100% absolute security. In the event of any data breach affecting your information, we will notify you within the timeframe required by law and promptly take the necessary remedial steps.

7 Data Retention Period

Mera44 retains your personal information only for as long as necessary to fulfil the purposes stated in this policy or as required by law. In general, the retention periods are as follows:

• Active Account Data: Retained for as long as your account remains active and you continue using mera44's services.
• Financial Transaction Data: Retained for a minimum of seven (7) years from the transaction date, in accordance with financial and tax legal requirements.
• KYC Records: Retained for a minimum of five (5) years following account termination or the conclusion of the business relationship, in accordance with AML requirements.
• Support Communication Data: Support conversation records are retained for three (3) years for reference and service improvement purposes.
• Technical Logs: System and security logs are retained for twelve (12) months before being automatically deleted.

Once the retention period has expired and there is no legal requirement to retain the data, mera44 will securely delete or anonymise your personal information using industry-recognised methods.

8 Your Rights as a Data Owner

As a mera44 member, you have important rights regarding your personal information. mera44 respects and facilitates the exercise of the following rights:

To exercise any of the rights above, contact the mera44 privacy team via email at [email protected] or via live chat on the platform. We will process your request within 30 business days. For complex cases, this period may be extended up to 60 days with notice to you.

9 Children's Privacy

The mera44 platform is strictly for individuals aged 18 and above. We do not knowingly collect or store any personal information from children or minors.

If we discover that personal information of a child has been collected without our knowledge, we will immediately take the following steps:

• Removing all related information from our databases as promptly as possible.
• Closing the relevant account and returning any funds involved through the appropriate process.
• Reporting the incident to the relevant authorities where required.

Parents or guardians who believe their child has accidentally registered on our platform are encouraged to contact the mera44 support team immediately via live chat or email for follow-up action.

10 Privacy Policy Changes

Mera44 reserves the right to update or modify this Privacy Policy at any time to reflect changes in our practices, technology, legal requirements, or other reasonable operational reasons.

When we make significant changes to this policy, we will:

• Updating the "Last Updated" date at the top of this document.
• Displaying a clear notice within the mera44 platform when you log in for the first time after a change takes effect.
• Sending email notifications to your registered address for changes that materially affect your rights.

We encourage you to review this page periodically to stay informed about how we protect your privacy. Continued use of the mera44 platform after any policy changes take effect will be considered your acceptance of the updated policy.

11 Contact Us Regarding Privacy

If you have any questions, concerns, or requests regarding this Privacy Policy or how we handle your personal information, please contact us through the following channels:

• Privacy Email: [email protected] — for official requests relating to personal data.
• Live Support: Live chat on the mera44 platform, available 24 hours a day, 7 days a week.
• General Support Email: [email protected] — for general enquiries about your account and services.

Our privacy team will endeavour to respond to all enquiries within three (3) business days. For formal data rights requests, please clearly state the type of request and include your account number or identification details so we can process your request promptly and accurately.

We always value your feedback and are committed to addressing any privacy concerns you may have in a transparent, professional and timely manner.