What We Collect and Why We Hold It
When you open an account on 12 Baj, we collect the information needed to run your account — your registration details, device and session data, and records of payments made via bKash, Nagad, or Rocket. Payment records are held to process withdrawals, resolve disputes, and meet
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financial record-keeping obligations. We do not sell your personal data to third parties. Session and device data helps us keep your account secure and detect unusual login attempts — if we flag an access event, we may ask you to re-verify through an OTP sent to
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your registered number. Your data is stored on servers with encryption at rest and in transit. Retention periods depend on the type of data: account data is kept for as long as your account is active, and financial transaction records are kept for the period required
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by applicable regulations in the regions we serve. If you close your account, we remove personal identifiers within a reasonable period unless a legal obligation requires us to retain the record. Data subject rights, correction requests, and deletion requests are handled through our support channel —
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response times depend on the nature of the request and the volume of submissions at the time.
Service availability depends on eligible regions and local law. Users should check local rules before opening an account.