Privacy Policy

Clause 1

Introduction

This Privacy Policy ("Policy") describes how loy4d ("we", "us", "our") collects, uses, stores, shares, and protects the personal data of individuals ("you", "your", "Player") who access or use the loy4d platform at https://loy4d.cam, including all associated pages, mobile interfaces, and support channels.

loy4d is operated as an internationally licensed online betting and casino platform serving English-preference players based in Indonesia. As part of our licensing obligations and our commitment to responsible data stewardship, we adhere to internationally recognized data protection standards. By registering an account, depositing funds, or otherwise using the platform, you acknowledge that you have read and understood this Policy in full.

This Policy should be read alongside our Terms & Conditions and our Responsible Gaming page, both of which form part of the overall agreement between you and loy4d.

Clause 2

Data We Collect

loy4d collects personal data through several channels: directly from you during registration and account management, automatically as you use the platform, and from third-party verification and payment service providers. The categories of data we collect are described below.

2.1 Registration & Identity Data

When you create an account on loy4d, we collect:

• Full legal name as it appears on your government-issued identification;
• Date of birth (used to verify that you meet the minimum age requirement of 21 years);
• Residential address in Indonesia (including province, city, and postal code);
• Email address and mobile phone number registered in your name;
• Chosen username and encrypted password.

2.2 Identity Verification (KYC) Data

As part of our Know Your Customer (KYC) process — which is mandatory prior to processing any withdrawal — we collect copies of:

• Government-issued photo identification (Indonesian National Identity Card / KTP, passport, or driver's licence);
• Proof of residential address issued within the last three months (utility bill, bank statement, or official government correspondence);
• Proof of ownership of any payment method linked to your account (e.g., bank account statement from BCA, BRI, BNI, Mandiri, CIMB Niaga, OCBC NISP, or BSI, or an e-wallet screenshot from OVO, DANA, GoPay, ShopeePay, or LinkAja);
• Selfie photographs or short video verification where requested by our compliance team.

2.3 Financial Transaction Data

We record all financial activity associated with your account, including:

• Deposit and withdrawal amounts, timestamps, and payment method identifiers;
• Transaction reference numbers issued by your bank or e-wallet provider;
• Betting history, including bet type, market, stake amount in Indonesian Rupiah (IDR / Rp), odds accepted, and settlement outcome;
• Bonus credit and wagering activity records.

2.4 Technical & Usage Data

When you access the loy4d platform, our servers automatically record:

• IP address and approximate geolocation derived from it;
• Device type, operating system, browser type and version;
• Pages visited, time spent on each page, click-path data, and feature interactions;
• Session start and end times, expressed in Western Indonesia Time (WIB, UTC+7);
• Referral source (e.g., search engine query or referring URL).

2.5 Communications Data

If you contact our support team via live chat, email, or any other channel, we retain records of those communications, including the content of messages, timestamps, and the resolution status of any query or complaint. This data is used for quality assurance, staff training, and dispute resolution.

2.6 Responsible Gaming Data

Where you voluntarily use our responsible gaming tools — such as deposit limits, session reminders, cooling-off periods, or self-exclusion — we record the settings you apply and the dates on which they were activated or modified. This data is used solely to enforce the protections you have requested and is never used for marketing profiling.

Clause 3

How We Use Your Data

loy4d uses the personal data it collects for the following specific purposes:

Purpose	Description
Account Management	Creating, maintaining, and administering your player account, including authentication, preference storage, and account security notifications.
Payment Processing	Verifying and executing deposit and withdrawal transactions via supported Indonesian payment methods, including local banks and e-wallets.
Identity Verification	Conducting KYC checks to verify your identity, age, and payment method ownership as required under our licensing obligations and anti-money-laundering procedures.
Regulatory Compliance	Meeting obligations imposed by our international gaming licence, including transaction monitoring, suspicious activity reporting, and record-keeping requirements.
Fraud Prevention	Detecting and preventing fraudulent activity, bonus abuse, multi-accounting, and other prohibited conduct described in our Terms & Conditions.
Platform Improvement	Analyzing aggregated and anonymized usage data to improve platform performance, user experience, and the relevance of game and betting content.
Responsible Gaming	Monitoring betting patterns to identify players who may be showing signs of problem gambling and applying protective tools where appropriate or where you have requested them.
Marketing (Opt-in Only)	Sending promotional offers, bonus notifications, and personalized recommendations where you have explicitly opted in to receive marketing communications. You may withdraw this consent at any time.
Customer Support	Responding to your queries, resolving complaints, and maintaining records of support interactions for quality assurance and dispute resolution purposes.
Legal Proceedings	Establishing, exercising, or defending legal claims, and cooperating with law enforcement or regulatory authorities where legally required.

Clause 4

Legal Basis for Processing

loy4d processes your personal data under one or more of the following recognized legal bases, depending on the specific processing activity:

• Contractual necessity: Processing is necessary to perform the contract between you and loy4d — i.e., to operate your account, process bets, and facilitate payments. Without this processing, we cannot provide the services you have signed up for.
• Legal obligation: Certain processing activities — notably KYC verification, transaction record-keeping, and suspicious activity reporting — are required under the terms of our international gaming licence and applicable financial crime prevention regulations.
• Legitimate interests: We process technical and usage data to maintain platform security, detect fraud, improve our services, and protect the integrity of our betting markets. These interests are balanced against your privacy rights and do not override them.
• Consent: Where we send you marketing communications or use non-essential cookies, we do so only with your prior, freely given, specific, and informed consent. You may withdraw consent at any time without affecting the lawfulness of processing carried out prior to withdrawal.

Clause 5

Data Sharing & Disclosure

loy4d does not sell, rent, or trade your personal data to third parties for their own commercial or marketing purposes. We share personal data only in the following limited and controlled circumstances:

5.1 Service Providers

We engage carefully vetted third-party service providers to support platform operations, including:

• Payment processors — to facilitate deposit and withdrawal transactions via Indonesian bank transfer and e-wallet channels;
• KYC and identity verification providers — to conduct automated and manual identity checks;
• Cloud hosting and infrastructure providers — to store data securely on encrypted servers;
• Game studios (Pragmatic Play, Evolution Gaming, Microgaming, NetEnt, Spribe, Pocket Games Soft, and others) — solely to the extent necessary to deliver game content and resolve game-related disputes;
• Customer support platforms — to manage live chat and email support ticketing.

All third-party service providers are contractually bound to process your data only in accordance with our instructions, to implement appropriate security measures, and not to use your data for any purpose beyond the specific service they provide to loy4d.

5.2 Regulatory & Law Enforcement Authorities

We may disclose personal data to our licensing authority, financial intelligence units, tax authorities, or law enforcement agencies where we are legally required or permitted to do so — for example, where we are subject to a court order, regulatory notice, or legal obligation to report suspicious transactions.

5.3 Business Transfers

In the event of a merger, acquisition, or sale of all or part of loy4d's business, your personal data may be transferred to the acquiring entity as part of that transaction. You will be notified prior to your data becoming subject to a materially different privacy policy.

5.4 Responsible Gaming Partners

Where you request enrolment in a third-party self-exclusion scheme or seek access to problem gambling support resources, we may share limited account data with the relevant scheme operator or support organization, strictly to fulfill that request.

Clause 6

Cookies & Tracking Technologies

loy4d uses cookies and similar tracking technologies (such as local storage objects and pixel tags) to operate the platform and improve your experience. The categories of cookies we use are as follows:

6.1 Strictly Necessary Cookies

These cookies are essential for the platform to function. They enable core features such as session authentication, account security tokens, load balancing, and fraud detection signals. These cookies cannot be disabled without significantly impairing platform functionality.

6.2 Performance & Analytics Cookies

We use analytics tools to measure aggregate platform usage — including page views, session duration, navigation paths, and error rates. This data is collected in anonymized or pseudonymized form and is used solely to improve platform performance and content relevance. These cookies are set only where you have given consent.

6.3 Functional Cookies

Functional cookies remember your preferences, such as your chosen language setting (English), time zone display preference (WIB by default), odds format, and whether you have acknowledged certain platform notices. These cookies improve usability but are not strictly essential.

6.4 Managing Your Cookie Preferences

You can control non-essential cookie settings through your browser's privacy controls. Blocking certain cookies may affect platform functionality. For detailed guidance on managing cookies in your browser, refer to your browser's help documentation or visit a reputable online resource such as the help pages of Google Chrome, Mozilla Firefox, or Safari.

Clause 7

Data Retention

loy4d retains personal data for the minimum period necessary to fulfill the purposes outlined in this Policy, taking into account our legal and regulatory obligations. The following general retention periods apply:

Data Category	Retention Period
Account & Registration Data	Duration of active account plus 5 years following permanent account closure, to satisfy licensing and audit requirements.
KYC & Identity Documents	5 years from the date of submission, or such longer period as required by applicable anti-money-laundering regulations.
Financial Transaction Records	7 years from the date of each transaction, in line with standard financial record-keeping obligations.
Betting History	5 years from the date of bet settlement, or longer where records are relevant to an open dispute or legal proceeding.
Support Communications	2 years from the date of the final communication in a support thread, or longer where the thread relates to an unresolved complaint or legal matter.
Technical & Log Data	13 months from collection, after which logs are aggregated and anonymized. Raw IP logs are deleted after 90 days.
Marketing Preferences & Consent Records	Duration of account plus 3 years following opt-out, to demonstrate compliance with consent obligations.
Responsible Gaming Tool Records	Duration of any active self-exclusion period plus 5 years, to prevent circumvention of exclusion requests.

At the end of the applicable retention period, personal data is securely deleted or anonymized in accordance with our data disposal procedures.

Clause 8

Data Security

loy4d implements a layered security framework to protect your personal data against unauthorized access, loss, alteration, or disclosure. Our key security measures include:

• 256-bit SSL/TLS encryption on all data transmissions between your device and our servers;
• At-rest encryption for databases storing personal and financial data using AES-256;
• Role-based access controls ensuring that only authorized personnel can access personal data, strictly limited to what is necessary for their job function;
• Two-factor authentication (2FA) enforced for all administrative and compliance team access to production systems;
• Regular penetration testing and vulnerability assessments conducted by independent security firms;
• Intrusion detection and prevention systems (IDS/IPS) monitoring platform traffic for anomalous patterns in real time;
• Audit logging of all access to sensitive personal data, with tamper-evident log storage;
• Staff training on data protection best practices, phishing awareness, and incident response procedures.

In the event of a data breach that is likely to result in a risk to your rights and freedoms, loy4d will notify affected players and the relevant supervisory authority within the timeframes required by applicable law.

Clause 9

Your Privacy Rights

As a data subject, you hold a number of rights in relation to the personal data loy4d holds about you. These rights are set out below. To exercise any of them, contact us at [email protected] with the subject line "Privacy Request" and your account username. We will respond within 30 days.

Clause 10

Minors

loy4d's platform is strictly intended for adults aged 21 years and over. We do not knowingly collect or process personal data from individuals under the age of 21. Our registration process includes automated age-screening and manual KYC review specifically designed to identify and reject underage applicants.

If you believe that a minor has registered an account or submitted personal data to loy4d, please notify us immediately at [email protected]. Upon confirmation, we will suspend the account, delete all associated personal data, and return any deposited funds to the source payment method without delay.

Parents and guardians are encouraged to use parental control software to restrict access to gambling websites on devices used by minors. We support the use of third-party parental filtering tools as an additional layer of protection beyond our own age-verification measures.

Clause 11

Third-Party Services

The loy4d platform integrates with a number of third-party services to deliver its full range of features. While we take care to select reputable partners and contractually bind them to data protection standards, each third-party service operates under its own privacy policy. loy4d is not responsible for the privacy practices of any third-party service that you access independently of our platform.

Third-party integrations present in or connected to the loy4d platform include:

• Game studios (including Pragmatic Play, Evolution Gaming, Microgaming, NetEnt, Spribe, and Pocket Games Soft): game session data, including bet amounts and outcomes, is shared with the relevant studio to deliver the game and resolve any technical disputes;
• Indonesian payment processors and e-wallet providers (including services connected to BCA, BRI, BNI, Mandiri, CIMB Niaga, OCBC NISP, BSI, OVO, DANA, GoPay, ShopeePay, and LinkAja): transaction identifiers and account reference data are shared to process deposits and withdrawals;
• KYC and fraud screening providers: identity document data and biometric checks are processed by our verification partner under a strict data processing agreement.

We do not embed social media tracking pixels, advertising networks, or affiliate attribution scripts on our platform that would share your behavioral data with external marketing companies without your explicit consent.

Clause 12

International Data Transfers

As an internationally operated platform, loy4d may transfer your personal data to countries outside Indonesia in order to fulfill the purposes described in this Policy — for example, to our cloud hosting infrastructure, KYC verification partner, or game studio integrations. Some of these countries may not provide a level of data protection equivalent to Indonesian domestic standards.

Where such transfers occur, loy4d ensures that appropriate safeguards are in place, which may include:

• Standard contractual clauses approved by the relevant data protection authority;
• Binding corporate rules where data is transferred within a group of companies;
• Transfers to countries recognized as providing an adequate level of data protection by the relevant supervisory authority.

You may request further information about the specific safeguards applicable to any international transfer of your personal data by contacting us at [email protected].

Clause 13

Changes to This Policy

loy4d reserves the right to update this Privacy Policy at any time to reflect changes in our data processing practices, regulatory requirements, or platform features. When we make material changes to this Policy, we will:

• Update the "Last updated" date at the top of this page;
• Post a prominent notice on the platform for a minimum of 14 days following the update;
• Where practicable and where the change is significant, send a notification to the email address registered to your account.

Your continued use of the loy4d platform following the effective date of any update constitutes your acknowledgment of the revised Policy. If you do not agree with the updated terms, you should stop using the platform and may close your account in accordance with the procedure described in our Terms & Conditions .

Clause 14

Contact Us

If you have any questions, concerns, or requests relating to this Privacy Policy or the way loy4d handles your personal data, please contact our privacy support team using the details below. We are committed to addressing all legitimate privacy inquiries promptly and professionally.

Our customer support team is available 24 hours a day, 7 days a week, with Indonesian-speaking agents on hand during WIB business hours (Western Indonesia Time, UTC+7). For general account or platform queries, live chat is typically the fastest channel, with average response times of 2–5 minutes during peak hours.

For detailed information about your rights as a player — including account limits, self-exclusion, and responsible gaming resources — please visit our Responsible Gaming page. For a complete overview of the contractual terms governing your use of the platform, refer to our Terms & Conditions.