3900 Platform Terms & Conditions of Use

2. Account Creation & Security

Each user is only permitted to hold one (1) active account on the 3900 platform at any one time. Creating multiple accounts using different names, phone numbers, email addresses, or identity details is strictly prohibited and may result in all associated accounts being suspended without compensation. During registration, you are required to provide your full name, date of birth, a valid mobile number, and the necessary financial information to facilitate identity verification. 3900 reserves the right to conduct background checks and identity verification before fully activating any new account. This process is carried out solely to protect the security of all users on our platform.

Account security is a shared responsibility between the user and 3900. You are solely responsible for keeping your password and login credentials confidential, and must not share this information with any third party. If you suspect unauthorised access to your account, you must notify the 3900 support team immediately through the official channels provided. The 3900 platform offers security features such as two-factor authentication, which is strongly recommended to help protect your account. 3900 will not be held liable for any losses arising from a user's failure to keep their own login credentials confidential.

• Passwords must be at least eight (8) characters long and contain a combination of uppercase letters, lowercase letters, numbers, and symbols.
• Users are advised to change their password regularly to enhance account security.
• Do not use public devices or public Wi-Fi networks to log in to your 3900 account.
• Suspicious login activity will be detected by our system and the account may be temporarily locked for further review.

4. Payment & Transaction Information (MYR)

All financial transactions on the 3900 platform are processed in Malaysian Ringgit (MYR / RM). Users are responsible for ensuring that any bank account or digital wallet registered is in their own name and matches the name on their 3900 account. Any attempt to use a third-party account for deposits or withdrawals is prohibited and may result in funds being frozen pending investigation. 3900 will not be held liable for any payment delays caused by the user's bank or third-party payment service providers. All transactions that have been processed and confirmed are non-reversible, except under circumstances specifically set out in our refund policy.

Minimum and maximum deposit and withdrawal limits may vary depending on the payment method chosen and the user's account verification level. Users are required to complete the Know Your Customer (KYC) in full before your first withdrawal request can be processed by 3900. The KYC process involves verifying a valid government-issued identity document — such as a national ID or passport — along with proof of current address issued within the past three months. If there are any discrepancies in the information provided or if documents are insufficient, 3900 reserves the right to hold the withdrawal until the required documents have been received and verified. Users are encouraged to keep their banking information up to date in the 3900 system to avoid any disruptions to the transaction process.

• Minimum deposit: RM 30 (subject to the payment method chosen).
• Withdrawals will be processed within 1–3 business days once verification is complete.
• Any transaction fees charged by your bank or payment provider are solely the user's responsibility.
• 3900 does not store users' credit or debit card details directly; all payments are processed through secure, licensed payment gateways.

6. Intellectual Property, Third-Party Links & Changes to Terms

All content on the 3900 platform — including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, and software — is the exclusive property of 3900 or its relevant licensors and is protected under Malaysian intellectual property law. Users are not permitted to reproduce, distribute, republish, sell, or commercially exploit any platform content without prior written consent from 3900. Unauthorised use of 3900's trade names, trademarks, and logos is strictly prohibited and may result in legal action. You may view and print platform content solely for personal, non-commercial use, provided you do not remove any copyright or proprietary notices contained therein. Any suggestions, feedback, or ideas submitted by users to 3900 may be used by us without any obligation of compensation to the user.

The 3900 platform may contain links or references to third-party websites or services, provided solely for users' convenience. The presence of such links does not imply that 3900 endorses, verifies, or is responsible for the content, privacy policies, or practices of those third-party sites. Users are advised to independently review the terms and privacy policies of any third-party websites they visit. 3900 will not be held liable for any loss or damage arising from the use of or reliance on the content, products, or services available on third-party websites. Any interaction you have with a third-party website is solely between you and the operator of that site.

3900 reserves the right to amend, update, or replace any part of these terms at any time at our discretion. Users will be notified of material changes via an in-platform notice or to their registered email address at least seven (7) days before the changes take effect, except in urgent circumstances where immediate changes are necessary. It is the user's responsibility to check this terms page periodically to stay informed of the latest applicable version. Continued use of the platform after the effective date of any such changes constitutes acceptance of the revised terms. These terms are governed by and construed in accordance with the laws of Malaysia, and any dispute that cannot be resolved by mutual agreement shall be referred to a court of competent jurisdiction in Malaysia.