98win Privacy Policy — How We Protect Your Data in Pakistan

1Introduction

This Privacy Policy explains how 98win ("we," "us," "our," "the Platform") collects, uses, stores, and protects the personal data of players and visitors who use our website at 98win-bangla.net and any related mobile interfaces or applications.

This policy applies to all users, including Pakistani residents who access 98win for cricket betting, football betting, esports betting, jackpot slots, baccarat, roulette, and any other product the platform offers now or in the future.

This Privacy Policy should be read alongside our Terms and Conditions, which govern the overall relationship between you and 98win. Together, these two documents cover the full scope of your rights and obligations as a registered player.

2Who We Are

98win is the operator of the online betting and gaming platform accessible at 98win-bangla.net. We operate under a valid international gaming licence and are the data controller responsible for the personal information collected through the platform.

We serve players primarily in Pakistan, and our operations are designed with the local context in mind — from payment methods like Easypaisa and JazzCash to customer support in Pakistan Standard Time. When this policy references "98win," it refers to the licensed entity responsible for operating the platform and for data protection obligations relating to our Pakistani player base.

If you have any questions about this Privacy Policy or about how your personal data is processed, you can contact our dedicated privacy team using the contact details provided in Section 15 of this document.

3Data We Collect

98win collects only the data that is genuinely necessary for the purposes described in this policy. We do not collect data out of habit or because it might be useful one day — there is always a specific, lawful reason for each category.

We do not collect sensitive personal data such as biometric information, religious beliefs, political opinions, or health data. If you voluntarily disclose such information in a support conversation, it is used only to address your specific query and is not retained as a formal data category.

4How We Collect Your Data

98win collects data through the following channels:

4.1 Directly From You

Most of the data 98win holds about you comes directly from you. This includes information you provide during registration (name, date of birth, contact details), during identity verification (CNIC, payment account screenshots), when making deposits or withdrawals, when contacting support, or when completing any survey or feedback form on the platform.

4.2 Automatically During Platform Use

When you visit 98win's website or use its mobile interface, technical and usage data is collected automatically through server logs, cookies, and similar tracking technologies. This includes your device's IP address, the type of browser you are using, which pages you visit, and how long you spend on each section of the platform. This data helps 98win keep the platform secure and continuously improve the experience.

4.3 From Payment Processors

When you make a deposit or request a withdrawal, limited transaction data flows between 98win and our payment processing partners (such as Easypaisa, JazzCash, NayaPay, SadaPay, or card processors). 98win receives transaction references and status confirmations. We do not store full card numbers or mobile wallet PINs — this data remains with the payment provider under their own security controls.

4.4 From Compliance and Fraud Prevention Partners

To meet anti-money-laundering (AML) and responsible gaming obligations, 98win may verify certain identity information against third-party databases. This is a standard practice for licensed gaming operators and protects both the player community and the integrity of the platform.

5How We Use Your Data

98win uses your personal data only for the purposes listed below. We do not use it for anything else without informing you first.

• Account creation and management: Setting up your 98win account, verifying your identity, and keeping your account details accurate and up to date.
• Processing transactions: Handling PKR deposits via Easypaisa, JazzCash, and other accepted methods, and processing withdrawal requests to your registered payment account.
• Providing betting and gaming services: Recording your bets, settling results, and maintaining the accuracy of your account balance and bet history.
• Customer support: Responding to your queries, resolving disputes, and providing assistance through live chat and email.
• Security and fraud prevention: Detecting and investigating suspicious activity, preventing unauthorised access to your account, and protecting the 98win platform from abuse.
• Regulatory compliance: Meeting our obligations under our gaming licence, including AML screening, age verification, and responsible gaming monitoring.
• Responsible gaming: Monitoring betting patterns that may indicate problem gambling, administering self-exclusion requests, and applying account limits you have set.
• Platform improvement: Analysing aggregated, anonymised usage data to identify technical issues, improve navigation, and optimise features for Pakistani players.
• Communications: Sending transactional emails (deposit confirmations, withdrawal updates, security alerts) and, where you have given consent, promotional offers relevant to your activity on 98win.

6Legal Basis for Processing

Every use of your personal data by 98win rests on at least one of the following legal bases:

• Contractual necessity: Processing required to fulfil our obligations to you as a registered 98win player — including account management, transaction processing, and bet settlement.
• Legal obligation: Processing required to comply with our gaming licence conditions, anti-money-laundering regulations, and other applicable laws.
• Legitimate interests: Processing that serves the genuine operational interests of 98win, such as fraud prevention and platform security, where these interests are not overridden by your privacy rights.
• Consent: For optional activities such as receiving promotional communications, where you have actively opted in. You may withdraw consent at any time by updating your communication preferences in account settings or contacting support.

7Sharing Your Data

98win shares your personal data only in limited, specific circumstances and only with parties that have a genuine operational need for it.

7.1 Payment Processors

To process your deposits and withdrawals, 98win shares the minimum necessary data with payment service providers such as Easypaisa, JazzCash, NayaPay, SadaPay, and card processing networks. These providers are bound by their own data protection obligations and are not permitted to use your data for any purpose other than completing your transaction.

7.2 Identity Verification and KYC Providers

As required by our licensing obligations, 98win may share your identity documents and details with licensed third-party KYC (Know Your Customer) service providers for verification purposes. These providers process your data solely for verification and report results back to 98win. Your documents are not retained by verification providers beyond the legally required period.

7.3 Technology and Infrastructure Partners

98win uses third-party technology partners for services including cloud hosting, data analytics (in anonymised form), and customer support tooling. These partners act as data processors on our behalf under strict contractual obligations that prohibit independent use of your data.

7.4 Legal and Regulatory Disclosure

98win may disclose your personal data to law enforcement agencies, gaming regulators, or other public authorities when required to do so by law, or when we have a good-faith belief that disclosure is necessary to prevent fraud, protect the rights of other players, or ensure platform integrity.

8Cookies & Tracking Technologies

98win uses cookies and similar tracking technologies to make the platform work properly, keep it secure, and gradually improve the experience for Pakistani players.

98win does not use third-party advertising cookies. You will not see 98win advertisements tracking you across other websites based on cookies from our platform.

You can manage cookie preferences through your browser settings. Most modern browsers allow you to view, block, or delete cookies. Note that blocking strictly necessary cookies will prevent 98win from functioning correctly.

9Data Retention

98win retains personal data only for as long as is necessary for the purposes set out in this policy, or as required by our legal and regulatory obligations.

• Active account holders: Your personal and betting data is retained for the full duration of your account being active on 98win.
• Closed accounts: After account closure, 98win retains identity and transaction records for a minimum of five years to meet anti-money-laundering and gaming licence requirements. This period may be extended if an investigation is ongoing at the time of closure.
• Support communications: Chat transcripts and email correspondence are retained for up to three years to support dispute resolution and service quality monitoring.
• Technical logs: Server logs and access records are retained for up to 12 months for security and fraud investigation purposes.
• Self-excluded players: If you self-exclude from 98win, your exclusion record is retained permanently to prevent re-registration during the exclusion period and to honour any permanent exclusion election.

Once the applicable retention period expires, your data is securely deleted or anonymised so it can no longer be linked back to you as an individual.

10Security Measures

Protecting the personal and financial data of 98win players is a core operational priority. The following technical and organisational measures are in place:

• SSL/TLS encryption: All data transmitted between your device and 98win's servers is encrypted using industry-standard TLS protocols. Any browser or app connection that is not encrypted is rejected.
• Data encryption at rest: Sensitive personal data stored in 98win's databases is encrypted at rest, so even in the unlikely event of a storage-level breach, individual records are not readable without decryption keys.
• Access controls: Internal access to player data is restricted to staff members who genuinely need it for their specific role. All internal access is logged and audited.
• Two-factor authentication: 98win offers two-factor authentication (2FA) for all registered accounts. We strongly encourage every player to enable this feature from account settings.
• Regular security audits: The platform undergoes periodic independent security assessments to identify and address vulnerabilities before they can be exploited.
• Incident response: In the event of a data breach that is likely to affect your rights as a player, 98win will notify you promptly and take immediate steps to contain and remediate the issue.

11Your Rights

As a player on 98win, you have the following rights in relation to your personal data. These are real rights that 98win is committed to honouring, not just words on a page.

To exercise any of these rights, contact our privacy team using the details in Section 15. We will respond within 30 days. In some cases — particularly where legal retention obligations apply — we may be unable to fully action a deletion request, but we will always explain why.

12Children's Privacy

98win is strictly an 18+ platform. We do not knowingly collect personal data from anyone under 18 years of age. Age verification is conducted at registration and may be followed up with documentary evidence when an account requests its first withdrawal.

If 98win discovers that an account belongs to a player who was under 18 at the time of registration, the account will be closed immediately, all activity on the account will be voided, and any deposits received will be returned net of any losses incurred — in line with our licence obligations and responsible gaming commitments.

If you are a parent or guardian and believe your child has registered on 98win, please contact our support team immediately so we can investigate and take appropriate action.

13International Data Transfers

As a platform serving Pakistani players with infrastructure components hosted internationally, some of your personal data may be transferred to and processed in countries outside Pakistan. When this happens, 98win ensures that appropriate safeguards are in place to protect your data to a standard equivalent to that provided in our licence jurisdiction.

These safeguards include contractual data processing agreements with all third-party partners that handle your data outside Pakistan, requiring them to process your data only for the stated purposes, apply equivalent security standards, and not transfer data further without our authorisation.

If you would like more specific information about the countries to which your data may be transferred, please contact our privacy team using the details in Section 15.

14Updates to This Privacy Policy

98win reviews and updates this Privacy Policy periodically to reflect changes in our data practices, technology, or regulatory requirements. The "Last updated" date at the top of this page shows when the most recent revision was made.

When we make material changes — for example, if we start collecting a new category of data, or if we begin sharing data with a new category of third party — we will notify registered players via email or an in-platform notification before the changes take effect. Minor clarifications may be made without individual notification.

Continued use of 98win after the effective date of any policy update constitutes your acceptance of the revised Privacy Policy. If you do not agree with the changes, you may request account closure before the update takes effect.

15Contact Us

If you have any questions about this Privacy Policy, want to exercise any of your data rights, or wish to raise a concern about how 98win has handled your personal information, please get in touch:

You also have the right to lodge a complaint with the relevant supervisory authority in the jurisdiction where 98win holds its gaming licence. Contact details for the licensing authority are available in the platform's licence documentation, accessible from the footer of our website.