pkar98 Privacy Policy

1. Overview

pkar98 is committed to protecting the privacy of every player who registers and uses the platform. This policy sets out, in plain terms, what information we hold about you, what we do with it, and how we keep it safe. We do not sell your personal data to anyone. We do not use it to send you unsolicited marketing from third parties. We collect only what we genuinely need to run your account, process your PKR transactions, and deliver a quality gaming experience.

If you ever have a question about how your data is handled that is not answered in this policy, the support team is available around the clock via in-app live chat. Data questions are taken seriously and responded to promptly.

As a Pakistani player, your data is handled with the same care and transparency we would expect for our own. pkar98 operates with a clear principle: your information is yours. We are custodians of it for the purposes of running your account — nothing more.

2. Data We Collect

pkar98 collects personal data in three main ways: information you provide directly, information generated automatically when you use the platform, and information received from payment processors during transactions.

2.1 Information You Provide

• Registration data: Your full name, date of birth, email address, and mobile number when you create an account.
• Identity verification (KYC): A copy of your CNIC or other identity document when verification is requested before a withdrawal or as part of a routine security review.
• Support interactions: Messages, screenshots, and details you share when contacting pkar98 support via live chat or email.
• Account preferences: Deposit limits, responsible gaming settings, notification preferences, and any other personalisation you configure within your account settings.

2.2 Automatically Collected Data

• Device information: Device type, operating system, browser type, and version.
• Usage data: Pages visited, features used, bet history, session duration, and in-app navigation patterns.
• IP address and approximate location: Used to verify access conditions and protect against fraudulent logins.
• Cookies and local storage: Session tokens, preference data, and analytics identifiers. See Section 6 for full cookie details.

2.3 Data from Payment Processors

When you make a deposit or withdrawal via JazzCash, Easypaisa, Raast, or bank transfer, the payment processor confirms the transaction outcome and passes a transaction reference to pkar98. Full payment credentials — such as your JazzCash PIN or bank account number — are never transmitted to pkar98 and are never stored on pkar98 servers.

3. How We Use Your Data

Every piece of data pkar98 holds about you is used for a specific, legitimate purpose. We do not collect data speculatively. The main purposes for which your data is used are:

• Account management: Creating, maintaining, and securing your pkar98 account throughout the lifetime of your membership.
• Transaction processing: Receiving and verifying PKR deposits, processing withdrawal requests, and maintaining accurate account balance records.
• Identity and age verification: Confirming that you meet the 18+ age requirement and that your identity matches the payment methods you use.
• Customer support: Responding to your queries, resolving disputes, investigating complaints, and maintaining records of support interactions for quality assurance.
• Security and fraud prevention: Detecting suspicious login attempts, identifying duplicate accounts, and protecting both your account and the platform from fraudulent activity.
• Responsible gaming: Monitoring account activity patterns that may indicate problem gaming and ensuring that self-exclusion requests and deposit limits are properly enforced.
• Platform improvement: Using aggregated, anonymised usage data to understand how players interact with the platform and to improve features, navigation, and overall experience.
• Legal and compliance obligations: Retaining records as required by applicable law and responding to lawful requests from authorities.

pkar98 does not use your personal data to build advertising profiles, sell data to marketers, or share your information with third-party commercial partners for their own marketing purposes.

4. Payment Data

All PKR deposits and withdrawals on pkar98 are processed through established Pakistani payment providers — JazzCash, Easypaisa, Raast, and bank transfer. The handling of payment data is subject to these providers' own security standards and privacy policies.

4.1 What pkar98 Receives

pkar98 receives only the information needed to record and reconcile a transaction: the transaction reference number, amount, currency (PKR), timestamp, and status (successful or failed). pkar98 does not receive or store your JazzCash PIN, Easypaisa account credentials, bank account number, or card CVV.

4.2 Withdrawal Verification

Before processing a withdrawal, pkar98 may request identity verification to confirm that the withdrawal is being sent to a payment method that belongs to the registered account holder. This is a standard security measure. The name on your pkar98 account must match the name on your payment method. This protects you from unauthorised withdrawals and protects the platform from fraud.

4.3 Payment Records

Transaction records — including deposit amounts, withdrawal amounts, dates, and payment method types — are retained for the period required by applicable law and for as long as your account remains active. These records may be used in the event of a dispute, a support query, or a compliance review. They are not used for any purpose beyond account management and legal obligation.

5. Data Sharing

pkar98 does not sell, rent, or trade your personal data. There are limited, specific circumstances in which your data may be shared with third parties, and these are set out clearly below.

• Payment processors: Transaction data is shared with JazzCash, Easypaisa, Raast, or your bank solely to process the payment you have initiated. Each processor handles your payment data under their own privacy and security framework.
• Identity verification services: If pkar98 uses a third-party KYC provider to assist with identity document verification, that provider receives only the data necessary to complete the verification. They are contractually prohibited from using your data for any other purpose.
• Analytics providers: Aggregated, anonymised usage data may be shared with analytics services to help us understand platform performance. This data cannot identify you individually.
• Legal authorities: pkar98 will disclose personal data to law enforcement or regulatory authorities if required to do so by law, or if we have a good-faith belief that disclosure is necessary to protect the safety of users or the integrity of the platform.
• Business transfers: In the unlikely event of a corporate acquisition or restructuring, user data may form part of the transferred assets. In such circumstances, the incoming party would be bound by this Privacy Policy or a policy offering equivalent protections.

Outside of the circumstances listed above, your personal data is not shared with anyone. pkar98 does not operate a data brokering business of any kind.

6. Cookies & Tracking

pkar98 uses cookies and similar local storage technologies to make the platform work properly and to understand how it is being used. Here is a plain breakdown of what we use and why:

6.1 Essential Cookies

These are required for the platform to function. They maintain your login session, remember your language preferences, and keep your betting slip active while you navigate between pages. Without these, the platform cannot work correctly. You cannot opt out of essential cookies while using the platform.

6.2 Analytics Cookies

These help us understand which features are used most, how players navigate through the platform, and where the experience could be improved. Analytics data is aggregated and anonymised — it is not used to identify you personally. You can manage analytics cookie preferences through your browser settings.

6.3 Security Cookies

Session security tokens and device fingerprint data stored locally are used to detect suspicious activity, prevent session hijacking, and protect your account from unauthorised access. These are part of the platform's security infrastructure.

6.4 Managing Cookies

Most browsers allow you to view, manage, and delete cookies through their settings menu. Disabling essential cookies will affect your ability to log in and use the platform. Disabling analytics or preference cookies will not affect core platform functionality.

7. Data Security

pkar98 takes the security of your personal data seriously. We use a layered approach to data security that covers both technical and operational controls.

• Encryption in transit: All data transmitted between your device and pkar98 servers is encrypted using TLS. This applies to login, deposit, withdrawal, and all other account activity.
• Encryption at rest: Sensitive personal data, including identity documents submitted for KYC, is stored in encrypted form on secure servers.
• Access controls: Access to personal data within pkar98's operations is restricted to staff who need it to perform their role. Access logs are maintained and reviewed.
• Account security features: Two-factor authentication options are available within your account settings. pkar98 recommends enabling 2FA as a basic security measure for all accounts.
• Fraud monitoring: Automated systems monitor account activity for patterns associated with account takeover, fraudulent deposits, and bonus abuse. Suspicious activity triggers a security review before any withdrawal is processed.

No system is completely immune to risk. In the event of a data breach that affects your personal information, pkar98 will notify affected users as promptly as practicable and will take immediate steps to limit the impact.

8. Data Retention

pkar98 retains personal data for as long as your account is active and for a defined period after account closure. Retention periods are set based on the purpose of the data and applicable legal requirements.

• Account data (name, email, mobile, date of birth) is retained for the lifetime of your account plus a minimum period of five years after account closure, in line with standard record-keeping practice.
• Transaction records are retained for a minimum of five years after the transaction date for financial record-keeping and dispute resolution purposes.
• KYC documents are retained for the period required by applicable law, typically five years after account closure.
• Support interaction records are retained for two years after the interaction closes, or longer if the interaction relates to an ongoing dispute or legal matter.
• Analytics data that has been anonymised and aggregated is retained indefinitely for platform development purposes. Once anonymised, this data cannot be linked back to any individual.

When the applicable retention period expires, personal data is securely deleted or anonymised. You may request early deletion of your data under the conditions described in Section 9 below.

9. Your Rights

As a pkar98 account holder, you have the following rights in relation to your personal data. To exercise any of these rights, contact support via in-app live chat or the support email address shown in the footer.

• Right of access: You can request a copy of the personal data pkar98 holds about you. We will provide this within a reasonable timeframe, typically within 30 days of the request.
• Right to rectification: If any of your personal data is inaccurate or out of date, you can request that it be corrected. Some data — such as your date of birth — can only be corrected through the identity verification process.
• Right to deletion: You can request that your personal data be deleted. Note that pkar98 may be required to retain certain data for legal or compliance reasons even after an account is closed. In such cases, we will explain what data must be retained and why.
• Right to restrict processing: You can ask pkar98 to limit how your personal data is used while a correction or deletion request is being processed.
• Right to data portability: You can request a copy of your personal data in a structured, commonly used format — for example, a record of your transaction history in CSV format.
• Right to object: You can object to your data being used for analytics purposes. This will not affect your ability to use the core platform features.

10. Minors

pkar98 is strictly for adults aged 18 and above. The platform does not knowingly collect personal data from anyone under the age of 18. Age verification is a required step in the account registration process and, where necessary, is supported by identity document review.

If pkar98 discovers that an account has been created by a person under 18, the account will be immediately closed, all funds will be returned to the payment method used, and all personal data associated with that account will be deleted as promptly as practicable.

Parents and guardians who believe that a minor has created a pkar98 account should contact the support team immediately via in-app live chat. The matter will be treated with full urgency and confidentiality.

11. Changes to This Policy

pkar98 may update this Privacy Policy from time to time to reflect changes in the platform, the services offered, or applicable legal requirements. When changes are made, the "Last updated" date at the top of this page will be revised. For material changes — those that significantly affect how your data is used — pkar98 will provide notice via an in-app notification or a banner on the platform.

Continued use of the platform after an updated Privacy Policy has been published constitutes your acceptance of the updated terms. If you disagree with any changes, you should stop using the platform and contact support to close your account. Your PKR balance will be returned to your verified payment method subject to standard withdrawal conditions.

12. Contact Us

For any question, concern, or request relating to this Privacy Policy or the personal data pkar98 holds about you, please get in touch through one of the following channels:

• In-app live chat: Available 24/7 and the fastest route for data queries, account questions, and rights requests.
• Support email: The contact address is shown in the footer of this page. Responses to email enquiries are typically provided within one business day.

pkar98 takes privacy queries seriously and responds to all data-related requests with appropriate urgency. If you are not satisfied with the response you receive, you may escalate the matter in writing to the platform's data protection contact, details of which are available on request via support.