pkar98 Privacy Policy – How We Handle Your Personal Data

1. Introduction

This Privacy Policy applies to all services offered by pkar98 through the website at pkar98.net, the Android mobile app, and the mobile browser version of the platform. When we refer to "pkar98," "we," "us," or "our" in this document, we mean the operators of the pkar98 platform. When we refer to "you" or "your," we mean any person who accesses or uses pkar98 — whether as a registered account holder or as a visitor browsing the platform without logging in.

By registering an account on pkar98, you acknowledge that you have read this Privacy Policy and understand how your personal information will be handled. If you do not agree with how we handle data as described here, you should not create an account or use the platform.

This policy should be read alongside the Terms and Conditions, which set out the wider rules governing your use of pkar98.

2. Data We Collect

The personal information we collect falls into two categories: information you provide directly, and information generated automatically by your use of the platform.

Information You Provide

Registration details: Your name, date of birth, mobile number, and email address (if provided) when you create a pkar98 account.
Identity verification documents: A copy of your CNIC submitted during the account verification process. This is used to confirm your identity and age eligibility.
Payment information: Mobile wallet numbers (JazzCash, Easypaisa), IBAN for bank transfer, or card details for Visa and Mastercard transactions. We do not store full card numbers — payment card data is handled by PCI-compliant payment processors.
Communications: Messages you send to pkar98 support via chat, email, or any other communication channel.

Information Generated Automatically

Usage data: Bets placed, games played, deposit and withdrawal history, login timestamps, and session duration.
Device and technical data: IP address, browser type and version, operating system, device model, and screen resolution.
Location data: Approximate location derived from your IP address. We do not collect GPS-level location data.
Cookie and tracking data: Information collected through cookies and similar technologies as described in Section 7.

We collect only the information we need to operate pkar98 securely and effectively. We do not collect sensitive personal categories such as religion, ethnicity, political opinions, or biometric data beyond what is present in a standard CNIC for identity verification purposes.

3. How We Use Your Data

The personal data collected by pkar98 is used for the following purposes:

Purpose	Description
Account management	Creating and maintaining your pkar98 account, managing login sessions, and personalising your experience on the platform.
Identity verification	Confirming you are 18 or older and that your identity matches the payment methods registered on your account — required before withdrawals can be processed.
Payment processing	Facilitating PKR deposits and withdrawals via JazzCash, Easypaisa, Raast, bank transfer, and card methods. Your payment details are shared only with the processors handling the transaction.
Fraud prevention	Detecting duplicate accounts, unusual betting patterns, suspicious payment activity, and other indicators of fraudulent or prohibited conduct.
Platform security	Monitoring for unauthorised access attempts, maintaining audit logs, and responding to security incidents.
Customer support	Responding to queries, investigating account issues, and resolving disputes. Support conversations may be recorded for quality and training purposes.
Platform improvement	Analysing aggregated usage patterns to understand which features are working well and where improvements are needed. This analysis uses anonymised or aggregated data where possible.
Legal compliance	Retaining records as required to comply with applicable legal obligations, respond to lawful requests from authorities, and enforce the Terms and Conditions.

4. Legal Basis for Processing

pkar98 processes your personal data under the following bases:

Contract performance: Processing your registration, managing your account, and facilitating financial transactions are necessary to fulfil the agreement between you and pkar98.
Legitimate interests: Fraud prevention, security monitoring, and platform improvement are carried out based on pkar98's legitimate interest in operating a secure and functional platform. These interests are balanced against your privacy rights.
Legal obligation: Certain data retention and identity verification activities are required to meet applicable legal and financial compliance requirements.
Consent: For non-essential communications such as promotional emails or push notifications, we rely on your explicit consent. You may withdraw consent for these at any time through your account settings.

5. Data Sharing

pkar98 does not sell your personal data to third parties. We do not share your information with advertisers, data brokers, or other platforms for their own marketing use. Data is shared only in the following circumstances:

Payment processors: JazzCash, Easypaisa, Raast, bank networks, and card processors receive the payment data necessary to complete transactions. Each provider handles data under their own privacy terms and security standards.
Identity verification providers: Third-party services may be used to verify submitted identity documents. These providers process your CNIC information under strict data handling agreements with pkar98.
Fraud prevention services: Aggregated or anonymised risk signals may be shared with fraud detection tools to protect the platform and its users from fraudulent activity.
Legal requests: Where required by applicable law or in response to a lawful order from a relevant authority, pkar98 may disclose user information. We will notify you where legally permitted to do so before complying with such a request.
Business transfers: In the event of a merger, acquisition, or sale of pkar98's operations, user data may be transferred as part of that transaction. You would be notified in advance of any such transfer.

All third parties who receive personal data from pkar98 are required to handle it securely and only for the purpose for which it was shared. We do not permit third-party processors to use your data for their own unrelated purposes.

6. Payment Data Handling

Financial transaction data on pkar98 requires particular care given that it involves real PKR amounts and sensitive payment credentials.

pkar98 does not store full card numbers or CVV codes. Card payment data is handled directly by PCI DSS-compliant payment processors. pkar98 stores only transaction references, amounts, timestamps, and the payment method type for account history and dispute resolution purposes.

Mobile wallet numbers (JazzCash, Easypaisa) and bank IBANs are stored in encrypted form and are used only to process withdrawal transactions to your verified account. This information is not visible to pkar98 support staff in its unencrypted form.

Withdrawal destination accounts must match your registered identity. Any request to change payment method details triggers a re-verification process to confirm the new account belongs to the same person.

7. Cookies and Similar Technologies

pkar98 uses cookies — small text files stored in your browser — and similar tracking technologies including local storage and session tokens. These serve several functions:

Essential cookies: Required for the platform to function. They maintain your login session, remember your language preference, and enable core features like the cashier and game lobby. These cannot be disabled without breaking core functionality.
Performance cookies: Collect anonymised data about how users interact with the platform — which pages are visited, how long sessions last, and where errors occur. This data is used to improve platform performance and fix issues.
Security cookies: Help detect and prevent fraudulent activity by identifying suspicious patterns in user behaviour during a session.
Preference cookies: Remember your settings and preferences so you do not have to re-configure them each time you log in.

You can manage non-essential cookies through your browser settings. Clearing cookies will log you out of pkar98 and remove stored preferences. Disabling all cookies may prevent certain features from working correctly.

8. Data Retention

pkar98 retains personal data for as long as necessary to fulfil the purposes for which it was collected, subject to legal requirements that may require longer retention periods.

Active accounts: Data is retained for as long as your account is active and for a period after closure to allow for dispute resolution, fraud investigations, and legal compliance.
Financial records: Transaction records including deposits, withdrawals, and bet history are retained for a minimum period as required for financial compliance purposes.
Identity documents: CNIC copies submitted for verification are retained for the period required to satisfy our verification obligations and are securely deleted thereafter.
Support communications: Records of support interactions are retained for a reasonable period to allow for follow-up, quality review, and dispute resolution.

When data is no longer required for the purposes described and there is no legal obligation to retain it, it is securely deleted or anonymised.

9. Security Measures

Protecting your personal data is an operational priority for pkar98. We implement the following technical and organisational security measures:

Encryption in transit: All data exchanged between your device and pkar98 servers is encrypted using TLS. This protects your login credentials, payment information, and personal data from interception.
Encryption at rest: Sensitive stored data including payment method details and identity documents is encrypted in storage.
Access controls: Internal access to personal data is limited to staff who need it to perform their job. Access is role-based and logged.
Security monitoring: pkar98 monitors systems for unusual activity, unauthorised access attempts, and potential breaches. Incidents are investigated and addressed promptly.
Secure development: Platform updates and new features are reviewed for security implications before deployment.

No online system can be guaranteed completely secure. In the event of a data breach affecting your personal information, pkar98 will notify you as soon as reasonably practicable and take immediate steps to contain and assess the incident.

10. Your Rights Over Your Data

As a pkar98 user, you have the following rights over the personal data we hold about you. To exercise any of these rights, contact support at the details in Section 13.

Right to Access

You can request a copy of the personal data pkar98 holds about you. We will provide this in a readable format within a reasonable timeframe after verifying your identity.

Right to Correction

If any personal data we hold about you is inaccurate or incomplete, you can request that it be corrected. Some corrections may require re-verification, particularly for name or payment method changes.

Right to Deletion

You can request deletion of your account and associated personal data. We will process this subject to any legal retention obligations — for example, financial transaction records may need to be retained for a defined period regardless of account closure.

Right to Opt Out of Communications

You can withdraw consent for promotional emails, push notifications, or SMS communications at any time through your account settings or by contacting support. Withdrawing consent does not affect transactional communications related to your account activity.

Right to Data Portability

You can request your account data in a structured, machine-readable format. This covers data you directly provided to pkar98 such as your account details and transaction history.

11. Children and Minors

pkar98 is strictly for users aged 18 and above. We do not knowingly collect personal data from anyone under 18. Age verification is a mandatory part of the account registration and withdrawal process.

If we become aware that a user is under 18, the account will be immediately suspended, access blocked, and any funds in the account will be handled in accordance with the Terms and Conditions and applicable legal requirements.

If you are a parent or guardian and have reason to believe a minor has created an account on pkar98, please contact support immediately so we can investigate and take appropriate action.

12. Updates to This Policy

pkar98 may update this Privacy Policy from time to time to reflect changes in how we handle data, changes to applicable requirements, or improvements to our practices. When material changes are made, we will notify registered users through in-platform notification or by email to the address associated with your account.

The "Last reviewed" date at the top of this page indicates when the policy was most recently updated. Continued use of pkar98 after notification of changes constitutes acceptance of the updated policy. If you do not agree with changes to this policy, you may close your account by contacting support.

13. Contact

If you have questions about this Privacy Policy, want to exercise any of your data rights, or have a concern about how your information has been handled, please reach out to the pkar98 support team:

[email protected] — Please include your registered username and a description of your privacy query for the fastest response. Identity verification may be required before personal data requests can be fulfilled.

For data deletion requests or account closure, the same contact applies. Requests are handled within a reasonable timeframe and you will receive confirmation once action has been taken.