Privacy Policy

This Privacy Policy ("Policy") describes how 98pakr ("98pakr", "we", "us", "our") collects, uses, stores, shares and otherwise processes personal data relating to individuals ("you", "your", "User") who access or use the website located at https://98pakr.cam and any associated services, features or content (collectively, the "Platform").

98pakr is an English-language online betting information and gaming platform targeting adult users primarily located in Pakistan, including users in Karachi, Lahore, Islamabad, Rawalpindi, Faisalabad, Multan, Peshawar and other cities and regions across the country. We take data protection seriously and are committed to handling personal information responsibly, lawfully and transparently.

This Policy should be read alongside our Terms & Conditions and our Responsible Gambling Policy, each of which forms part of the overall agreement governing your use of the Platform. By registering an account or using any part of the Platform, you confirm that you have read and understood this Policy.

For the purposes of this Policy, the following terms carry the meanings set out below:

We collect personal data in the following categories, depending on how you interact with the Platform:

3.1 Identity & Registration Data

When you register an account on 98pakr, we collect information including your full legal name, date of birth, residential address, email address, phone number (where provided), and the username you select. This information is required to create and verify your account.

3.2 Identity Verification (KYC) Data

To satisfy our legal and regulatory obligations — including anti-money laundering (AML) and know your customer (KYC) requirements — we may collect and retain copies of government-issued identity documents (such as a National Identity Card (CNIC), passport, or driving licence), proof of residential address, and where applicable, documentation relating to your source of funds.

3.3 Financial Data

We collect information related to your deposits and withdrawals, including transaction amounts in PKR, payment method details (such as the type of method used), transaction timestamps, and transaction IDs. We do not store full bank account credentials or card numbers directly — payment processing is handled by authorised third-party payment processors.

3.4 Betting & Gaming Activity Data

We record your betting activity on the Platform — including bet selections, stakes, odds accepted, game sessions, win and loss outcomes, and the use of any responsible gambling tools such as deposit limits or self-exclusion settings. This data is used to operate your account, monitor for problem gambling indicators, and comply with our obligations.

We collect personal data through the following means:

• Directly from you — when you complete the account registration form, submit KYC documents, contact our support team, respond to surveys, or interact with any feature of the Platform that requires you to provide information.
• Automatically — through cookies, web beacons, pixel tags and server logs, which record technical information about your device, browser, IP address, session duration, pages visited and interaction patterns when you use the Platform.
• From third-party service providers — including identity verification partners, payment processors, fraud detection services and analytics providers, who may provide us with data about you in the course of delivering services to 98pakr. All such providers are contractually bound to handle your data in accordance with applicable data protection law.
• From public sources — where permitted by law and relevant to our obligations, for example from publicly available databases used as part of KYC or AML screening processes.

We process your personal data only where we have a lawful basis for doing so. The primary legal bases on which 98pakr processes personal data are:

• Contractual necessity: Processing required to fulfil our contractual obligations to you — including operating your account, processing bets and transactions, and providing customer support.
• Legal obligation: Processing required to comply with applicable law, including anti-money laundering regulations, identity verification requirements, and any regulatory reporting obligations.
• Legitimate interests: Processing for purposes such as fraud prevention, platform security, analytics to improve our services, and responsible gambling monitoring, where our legitimate interests are not overridden by your rights and interests.
• Consent: Where you have given specific, informed and freely given consent for processing, such as receipt of promotional communications. You may withdraw consent at any time by contacting us or adjusting your account preferences, without affecting the lawfulness of processing prior to withdrawal.

98pakr uses your personal data for the following purposes:

• To create, manage and maintain your account on the Platform, including processing deposits and withdrawals in PKR.
• To verify your identity in accordance with KYC and AML obligations, and to fulfil any regulatory requirements applicable to the operator's licensing jurisdiction.
• To process your bets and gaming activity, settle outcomes and credit or debit your account accordingly.
• To provide customer support, respond to enquiries and resolve disputes — via Live Chat, the Help Centre or email communications.
• To monitor for and prevent fraud, money laundering, collusion, account sharing and other prohibited activities in accordance with our Terms & Conditions.
• To monitor betting and gaming patterns for responsible gambling purposes, including identifying potential indicators of problem gambling and deploying appropriate tools or communications.
• To send you service-related communications, including account notifications, security alerts and updates to our policies.
• To send you promotional communications and offers — only where you have given your consent or where we have another lawful basis for doing so.
• To analyse Platform usage patterns and improve the quality, performance and user experience of our services for players across Pakistan.
• To comply with applicable law, respond to lawful requests from regulatory or law enforcement authorities, and enforce our rights under these Terms.

98pakr does not sell, rent or trade your personal data to third parties for their own independent commercial use. We may share your personal data with the categories of recipients listed below, strictly for the purposes described in this Policy:

• Payment processors and financial service partners — to process deposits and withdrawal requests. These providers handle transaction data in accordance with applicable financial regulations. Familiar domestic payment service references (Easypaisa, JazzCash, Raast, HBL, UBL, Meezan Bank, Bank Alfalah) are cited as examples of the Pakistan payment landscape only; their mention does not confirm current integration or imply any endorsement of gambling.
• Identity verification and KYC providers — to authenticate user identity and comply with anti-money laundering obligations.
• Technology and gaming platform providers — including software providers, game studios and live dealer operators who power elements of the Platform. These providers access only the data necessary to deliver their specific services.
• Analytics and performance monitoring services — which process aggregated or anonymised usage data to help us improve the Platform.
• Fraud prevention and security services — to detect, investigate and prevent fraudulent activity, unauthorised access and security incidents.
• Legal and regulatory authorities — where we are legally required to disclose personal data in response to court orders, regulatory requirements, law enforcement requests or to protect the rights and safety of 98pakr, its users or the public.
• Professional advisors — such as legal counsel, auditors or insurers, where disclosure is necessary and subject to appropriate confidentiality obligations.

All third-party data processors acting on behalf of 98pakr are subject to contractual data processing agreements that require them to handle personal data securely, lawfully and only for the purposes specified by 98pakr.

As an online platform operating across jurisdictions, 98pakr may transfer your personal data to countries or territories outside your country of residence, including countries whose data protection laws may differ from those in Pakistan. Such transfers occur where necessary to deliver our services, process payments, perform identity verification, or comply with legal obligations.

Where personal data is transferred internationally, 98pakr takes appropriate measures to ensure that your data continues to receive an adequate level of protection. These measures may include contractual clauses, standard contractual terms, or reliance on recognised adequacy decisions, as appropriate to the circumstances of each transfer.

The 98pakr Platform uses cookies and similar tracking technologies — including web beacons, pixel tags and local storage objects — to deliver and improve our services. The categories of cookies we use are described below:

• Strictly necessary cookies: Essential to the operation of the Platform. These enable core functionality such as account login, session management and security features. They cannot be disabled without significantly impairing your ability to use the Platform.
• Performance and analytics cookies: Collect information about how Users interact with the Platform — such as pages visited, time spent on pages and errors encountered — to help us understand usage patterns and improve our services. Data collected is aggregated and does not personally identify individual users.
• Functional cookies: Remember your preferences and settings (such as language preferences) to deliver a more personalised experience.
• Targeting and marketing cookies: Used, where consent has been obtained, to deliver content and promotional information relevant to your interests. You may withdraw consent to marketing cookies at any time.

You can manage cookie settings through your browser's privacy controls. Please note that disabling certain categories of cookies may affect the functionality of the Platform. For more detailed cookie information, refer to our cookie management tools available on the Platform.

98pakr retains your personal data for no longer than is necessary for the purposes for which it was collected, or as required by applicable law, regulatory obligations or legitimate business needs. The following general retention principles apply:

• Account data: Retained for the duration of your account, and for a minimum period following account closure as required by applicable anti-money laundering, gaming regulation and tax law obligations — typically five years, though this may vary by jurisdiction.
• KYC and identity documents: Retained for the period required by applicable regulatory frameworks, which is commonly five years from the end of the account relationship.
• Transaction records: Retained in accordance with financial record-keeping requirements, typically five years from the date of the transaction.
• Support communications: Retained for a period sufficient to resolve disputes, defend against legal claims, and maintain service quality records — generally up to three years unless a longer period is required.
• Analytics and log data: Aggregated or anonymised analytics data may be retained for longer periods as it no longer constitutes personal data. Technical log data is typically retained for up to 12 months.

When personal data is no longer required, it is securely deleted or anonymised in accordance with our data disposal procedures.

98pakr implements technical and organisational security measures appropriate to the nature of the data we process and the risks associated with our operations. These measures include:

• TLS/SSL encryption for all data transmitted between your device and the Platform;
• Encryption of sensitive personal data held in our systems at rest;
• Access controls ensuring that personal data is accessible only to authorised personnel with a legitimate operational need;
• Regular security assessments, vulnerability testing and patching procedures;
• Incident response procedures to detect, contain and notify stakeholders of personal data breaches in accordance with applicable law.

You also have a role in keeping your account secure. Please use a strong, unique password, enable two-factor authentication where available, and notify us immediately if you believe your account has been compromised. We will never ask for your password via email, Live Chat or any other communication channel.

Subject to applicable data protection law, you have the following rights in respect of the personal data we hold about you. To exercise any of these rights, please contact us using the details provided in Section 16. We will respond within a reasonable timeframe and, where required by law, within 30 calendar days.

Please note that some of these rights are not absolute and may be subject to exceptions — for example, where retention is required by law, or where deletion would prevent us from fulfilling our legal obligations. We will inform you of any such limitations when responding to your request.

The 98pakr Platform is strictly intended for adults aged 18 years and over, or the higher minimum age required by the operator's or license jurisdiction. We do not knowingly collect, process or store personal data from individuals below the applicable minimum age. If we become aware that personal data has been collected from an underage individual, we will take immediate steps to delete that data and close the associated account.

If you believe that a minor has registered an account on the Platform or provided us with personal data, please contact us immediately using the details in Section 16. Parents and guardians are encouraged to use available parental control tools and to be aware of their children's online activity.

The 98pakr Platform does not include links to external third-party websites as a matter of policy. However, the Platform integrates third-party services — such as payment processors, game providers and analytics tools — which may collect or process personal data independently in accordance with their own privacy policies.

Where third-party services are integrated into the Platform, we take steps to ensure that they operate under appropriate data processing agreements. However, 98pakr is not responsible for the privacy practices of independent third-party organisations, and we encourage you to review the privacy policies of any service you interact with independently of the 98pakr Platform.

98pakr reserves the right to update or amend this Privacy Policy at any time. All revisions will be posted on this page with an updated effective date. Where changes are material — for example, where we intend to process your personal data in a new way, or for a new purpose not previously disclosed — we will provide advance notice via the Platform prior to the changes taking effect.

Your continued use of the Platform following the effective date of any amended Policy constitutes your acknowledgement of the changes. We recommend that you review this page periodically to remain informed about how we protect your personal information. If you do not agree to a material change, you should cease using the Platform and may request account closure in accordance with our Terms and Conditions.

If you have any questions, concerns or requests relating to this Privacy Policy or the handling of your personal data, please contact the 98pakr data team using the channels below. We aim to acknowledge all enquiries within 5 business days and to resolve data protection requests within 30 calendar days.

Email addresses on this page are displayed as plain text only and are not clickable. If you are contacting us regarding a data protection matter, please include your registered email address and a brief description of your request so that we can respond efficiently. Support is available in English; Urdu-language assistance is available during selected hours.