Privacy Policy — How 45bd Collects, Uses, and Protects Your Data

1 Who We Are

45bd is an online betting and gaming platform operating at 45bd.io, offering sports betting, live casino games, slots, and instant-win products to players across Bangladesh. For the purposes of this Privacy Policy, references to "45bd", "we", "us", or "our" refer to the entity that operates the 45bd platform and determines the purposes and means of processing your personal data.

45bd acts as the data controller in respect of all personal data collected from players using the platform. Any questions or requests regarding this Privacy Policy or your personal data should be directed to our support team using the contact details set out in Section 14.

2 Data We Collect

Depending on how you interact with the 45bd platform, we may collect the following categories of personal data:

2.1 Identity and Contact Data

• Full legal name as it appears on your government-issued identity document
• Date of birth (used to verify you meet the 21+ age requirement)
• Residential address, including city, district, and postal code within Bangladesh
• Email address and mobile phone number
• National Identity Card (NID) number or passport number (collected during KYC verification)

2.2 Financial and Transaction Data

• bKash, Nagad, Rocket, or Upay mobile wallet numbers used for deposits and withdrawals
• Bank account details where bank transfers are used (Dutch-Bangla Bank, City Bank, BRAC Bank, Islami Bank, Sonali Bank, and others)
• Visa or Mastercard details processed through our payment gateway (card numbers are not stored by 45bd — they are handled by our PCI-DSS compliant payment processor)
• Full transaction history including deposit amounts, withdrawal amounts, dates, and payment method references
• Account balance information and bet history

2.3 Account and Usage Data

• Username and encrypted password hash
• Login timestamps, session durations, and logout records
• Game activity records including bet placements, game types played, wager amounts, and outcomes
• Responsible gaming settings you have applied to your account (deposit limits, session limits, self-exclusion status)
• Bonus and promotional offer history
• Support ticket history and communications with the 45bd customer support team

2.4 Technical and Device Data

• IP address at time of registration and each login
• Device type, operating system, and browser type and version
• Approximate geolocation derived from IP address (country and region level only; precise GPS data is not collected)
• Cookie identifiers and session tokens (see Section 7)
• Referring URL where you arrived at 45bd.io from another website

3 How We Collect Your Data

45bd collects personal data through the following means:

3.1 Directly From You

The majority of your personal data is provided directly by you during the account registration process, KYC verification, payment transactions, and communications with our support team. You are under no obligation to provide data beyond what is required for legal compliance and platform operation, but failure to provide certain categories of required data may prevent us from opening or maintaining your account.

3.2 Automatically Through Platform Use

When you access and use the 45bd platform, certain technical and usage data is collected automatically by our systems. This includes IP addresses, device identifiers, session data, game activity logs, and cookie data. This data is collected for security, fraud prevention, platform performance optimisation, and regulatory compliance purposes.

3.3 From Third-Party Identity Verification Providers

Where you submit identity documents for KYC verification, those documents may be processed by a trusted third-party identity verification provider on our behalf. The provider returns a verification result and a risk score to 45bd; the underlying document images are handled in accordance with that provider's own data protection standards, which are contractually required to meet or exceed the standards set out in this Privacy Policy.

3.4 From Payment Processors

When you make a deposit or withdrawal, our payment partners (such as bKash, Nagad, and our card processing gateway) transmit transaction confirmation data to 45bd. This data includes transaction reference numbers, amounts, and the mobile number or masked card details associated with the payment. 45bd does not receive or store full card numbers.

4 How We Use Your Personal Data

45bd uses the personal data it collects for the following specific purposes:

45bd does not use personal data to make fully automated decisions that produce legal or similarly significant effects on players without human review, except where such processing is required by law or expressly consented to by you.

5 Legal Basis for Processing

For each purpose for which we process your personal data, we rely on one or more of the following legal bases:

• Contract performance: Processing necessary to open and maintain your account, process transactions, and deliver the services you have signed up for.
• Legal obligation: Processing required to comply with applicable laws and regulations, including anti-money laundering legislation, age verification obligations, and record-keeping requirements.
• Legitimate interests: Processing for fraud prevention, platform security, responsible gaming monitoring, and internal analytics, provided such interests are not overridden by your privacy rights.
• Consent: Processing for marketing communications and certain cookie-based tracking, where we have obtained your prior consent. You may withdraw consent at any time without affecting the lawfulness of processing carried out before withdrawal.

6 Sharing Your Personal Data

45bd does not sell or rent personal data to any third party. We share personal data only in the following limited and controlled circumstances:

6.1 Service Providers and Data Processors

We engage carefully selected third-party service providers who process data on our behalf under strict contractual data processing agreements. These include identity verification providers, payment processors (bKash, Nagad, Rocket, Upay, and card gateway partners), IT infrastructure and hosting providers, fraud prevention and anti-money laundering screening services, and customer support software providers. Each processor is contractually bound to process data only on our documented instructions and to maintain security standards consistent with this policy.

6.2 Legal and Regulatory Disclosure

45bd may disclose personal data to law enforcement agencies, regulatory authorities, or other competent bodies where required to do so by applicable law, court order, or binding regulatory direction. We will, where legally permitted to do so, notify you of any such disclosure request before complying.

6.3 Business Transfers

In the event that 45bd undergoes a merger, acquisition, or sale of all or a substantial portion of its assets, personal data held about players may be transferred to the successor entity. Players will be notified of any such transfer and of any material changes to the way their data will be handled as a result.

6.4 Aggregated and Anonymised Data

45bd may share aggregated, anonymised statistical data with analytics partners or publish it in research or reports. Such data does not identify any individual player and is not considered personal data for the purposes of this policy.

7 Cookies and Tracking Technologies

45bd uses cookies and similar tracking technologies on the 45bd.io platform to deliver a functional, secure, and personalised experience. The following categories of cookies are used:

• Strictly necessary cookies: Required for the platform to function. These include session authentication tokens, security cookies, and load-balancing cookies. These cookies cannot be disabled without rendering the platform unusable.
• Functional cookies: Remember your preferences such as language settings, responsible gaming limits you have set, and display preferences. These improve your experience but are not essential for basic platform operation.
• Analytics cookies: Used to collect aggregated, anonymised data about how players navigate the platform, which pages are most visited, and where errors occur. This helps us improve the platform over time.
• Marketing cookies: Used, with your consent, to identify your session and associate it with any promotional campaign through which you arrived at 45bd.io. These do not track you across third-party websites.

You may manage cookie preferences through your browser settings. Disabling strictly necessary cookies will impair platform functionality. Consent for non-essential cookies may be withdrawn at any time through your account settings or by clearing cookies in your browser.

8 Data Retention

45bd retains personal data for the minimum period necessary to fulfil the purpose for which it was collected, subject to any longer retention periods required by law. Our standard retention periods are as follows:

• Active account data: Retained for the duration of your account and for 5 years following account closure, in compliance with anti-money laundering record-keeping requirements.
• Transaction records: Retained for a minimum of 5 years from the date of each transaction.
• KYC verification documents: Retained for 5 years from the date of verification or from account closure, whichever is later.
• Support communications: Retained for 3 years from the date of the last communication in each ticket thread.
• Technical and device logs: Retained for 12 months on a rolling basis, unless a specific log must be retained longer due to an ongoing security investigation or legal hold.
• Marketing preferences and consent records: Retained for the duration of your account and for 1 year following account closure or withdrawal of consent.

When data is no longer required, it is securely deleted or anonymised so that it can no longer be linked to an identifiable individual.

9 Your Privacy Rights

As a 45bd player, you have the following rights in respect of your personal data. To exercise any of these rights, contact us using the details in Section 14. We will respond to all verified requests within 30 days:

Please note that some rights are subject to limitations where 45bd has a legal obligation to retain or process data — for example, AML record-keeping requirements that override a deletion request. We will always explain any such limitation clearly when responding to your request.

10 Data Security

45bd employs a layered security framework to protect personal data against unauthorised access, disclosure, alteration, or destruction. Our security measures include:

• 256-bit SSL/TLS encryption for all data transmitted between your device and the 45bd platform.
• Encryption at rest for sensitive stored data including identity documents, financial records, and password hashes (passwords are hashed using a modern adaptive hashing algorithm and are never stored in plaintext).
• Role-based access controls ensuring that 45bd staff can only access player data relevant to their specific operational function.
• Multi-factor authentication for internal system access by 45bd staff.
• Regular penetration testing and vulnerability assessments conducted by independent security professionals.
• Audit logging of all access to and modifications of player records, with logs retained and monitored for anomalous activity.

While 45bd takes all reasonable technical and organisational precautions to safeguard your data, no internet-based system can be guaranteed to be entirely secure. You are responsible for keeping your own account credentials confidential. If you suspect your account has been compromised, contact our support team immediately at [email protected].

11 Children's Privacy

The 45bd platform is strictly intended for adults aged 21 years and above. We do not knowingly collect personal data from any individual under the age of 21. Age verification is conducted as part of the registration process, and accounts found to belong to individuals below the minimum age are closed immediately with all associated data deleted or returned in accordance with applicable law.

If you have reason to believe that a person under the age of 21 has registered with 45bd using false information, please contact us immediately at [email protected] so that we can investigate and take appropriate action without delay.

12 Third-Party Services and External Links

The 45bd platform integrates with third-party services for specific functions including identity verification, payment processing, and game content delivery. Where such integrations involve the transfer of personal data to third-party processors, those processors are bound by contractual data processing agreements that require them to handle your data in accordance with this Privacy Policy.

45bd is not responsible for the privacy practices of any third-party services or platforms that are not operated by 45bd. This Privacy Policy applies solely to data collected and processed by 45bd in connection with the operation of the 45bd.io platform.

13 Changes to This Privacy Policy

45bd reviews this Privacy Policy periodically and may update it to reflect changes in our data practices, applicable law, or platform functionality. When material changes are made, we will notify registered players via the email address associated with their account at least 7 days before the updated policy takes effect.

The effective date at the top of this document indicates when the current version was last reviewed and came into force. We encourage you to review this Privacy Policy periodically. Continued use of the 45bd platform following the effective date of any revised policy constitutes your acknowledgment of and agreement to the updated terms.

If you have concerns about any changes to this Privacy Policy, you are welcome to contact our support team before the revised version takes effect to discuss your options, including requesting account closure if you do not wish to continue under the updated terms.

14 Contact and Complaints

If you have any questions, concerns, or requests relating to this Privacy Policy or the way 45bd handles your personal data, please contact our dedicated privacy support team:

• Email: [email protected] (plain text — not a clickable link)
• Subject line: Please include "Privacy Request" in the subject line of your email for faster routing
• Response time: We aim to respond to all privacy-related requests within 7 business days and to resolve them within 30 days
• Support hours: 24 hours a day, 7 days a week, in Bangladesh Standard Time (BST, UTC+6)

If you are not satisfied with the way 45bd has handled your privacy request or complaint, you have the right to escalate your concern through any applicable regulatory or supervisory channel available in your jurisdiction. We will always cooperate with any such process in good faith.

For questions related to your account rights under the Terms and Conditions, or for responsible gaming support resources, please visit the Responsible Gaming page or our FAQ.