Know How Your Data Is Used
We collect the details needed to create your account, protect logins, process wallet activity and respond when you contact us. This Privacy Policy explains why we collect each category, how long records are kept, and when we may share limited data with payment processors, security partners
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or service teams. For Malaysia, payment records can include transaction reference codes from Touch 'n Go, GrabPay, Boost dan FPX, but we do not store your full wallet credentials. Access and eligibility depend on local law and are available where local law permits. We also log
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cookie consent choices, device risk signals and sign-in events so unusual account activity can be checked without exposing more data than needed. If a rule requires us to retain verification, dispute or transaction records, panen123 keeps only what is needed for that purpose and restricts access
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to trained staff.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.