92co Privacy Policy – How We Handle Your Data

1Introduction

92co operates an online gaming and sports betting platform accessible at 92co.onl and through the 92co mobile app. To provide our services — including sports betting on cricket and PSL, fish games, casino, deposits and withdrawals in PKR — we need to collect and process certain personal information from our players.

This Privacy Policy describes exactly what data we collect, why we collect it, how long we keep it and what choices you have over your own information. We have tried to write this in straightforward language rather than dense legal text, because we think Pakistani players deserve to understand clearly what happens with their data.

This policy applies to all players who use 92co, whether through the website or the mobile app, and regardless of the device used to access the platform. It should be read alongside our Terms and Conditions, which govern your overall use of the platform.

92co may update this policy from time to time. The date at the top of this page indicates when the most recent changes were made. Continued use of the platform after an update means you accept the revised policy.

2What Personal Information We Collect

We collect personal information in three main ways: information you give us directly, information generated by your use of the platform, and information from third-party services we use for payment processing and identity verification.

2.1 Information You Provide Directly

• Registration details: full name, date of birth, Pakistani mobile number, email address.
• Identity verification (KYC): CNIC number and scanned copy, selfie or photo for liveness checks, residential address.
• Payment details: JazzCash or Easypaisa mobile wallet numbers, Raast ID, bank account details (IBAN, bank name), payment card details where applicable.
• Support communications: messages, screenshots or files shared with our support team.
• Responsible gaming information: deposit limits, session duration settings and self-exclusion preferences you configure in your account.

2.2 Information Generated Automatically

• Device information: device model, operating system version, browser type and version.
• Network information: IP address, approximate geographic location derived from IP.
• Activity logs: login timestamps, pages visited, bets placed, games played, deposit and withdrawal history.
• Session data: how long you spend on particular sections of the platform, which features you use most.
• App-specific data: push notification preferences, biometric login status (we store a confirmation flag, not your biometric data itself).

2.3 Information from Third Parties

• Identity verification results from our KYC partner (pass/fail status and risk flags — not the full document).
• Transaction confirmation data from JazzCash, Easypaisa, Raast and bank payment gateways.
• Fraud risk scores from payment processors where applicable.

3How We Use Your Information

We use your personal information for the following purposes:

We do not use your personal data to make fully automated decisions that produce significant legal effects on you without human review. Account suspensions triggered by automated fraud detection are reviewed by a human before becoming permanent.

4Who We Share Your Information With

92co does not sell your personal data to any third party. We share data only where it is necessary to deliver the service, comply with a legal requirement, or protect the platform from fraud.

4.1 Service Providers

We work with a limited number of carefully selected service providers who process data on our behalf under strict contractual data protection obligations. These include:

• KYC / identity verification provider: receives your CNIC details and photo to verify your identity. They return a verification result; we do not retain the document image beyond what is required.
• Payment processors: JazzCash, Easypaisa, Raast and bank payment gateways receive the minimum payment information required to process your transaction.
• Cloud infrastructure providers: our platform runs on cloud servers. All data stored on these servers is encrypted at rest.
• Customer support tools: support ticket and live chat systems that store communication history for quality assurance.
• Analytics providers: anonymised and aggregated usage data may be processed by analytics tools. No personally identifiable data is shared for analytics purposes.

4.2 Legal Requirements

We may disclose your personal information to law enforcement, regulators or other authorities if we are legally required to do so or if we have a good-faith belief that disclosure is necessary to prevent fraud, money laundering, or other serious illegal activity. We will notify you of such a disclosure where legally permitted to do so.

4.3 Business Transfers

In the event of a merger, acquisition or sale of the platform, your personal data may be transferred as part of that transaction. You will be notified before your data becomes subject to a different privacy policy.

5Payment Data and Financial Information

Given that 92co handles real PKR transactions, the security and handling of financial data is particularly important. Here is how we approach it.

5.1 What Financial Data We Store

We store your registered payment method details — JazzCash number, Easypaisa number, bank IBAN — for the purpose of processing your withdrawals. These details are stored encrypted and are only accessible to the payments team when processing a withdrawal request. We do not store full payment card numbers; only partial card numbers (last 4 digits) are retained for display purposes.

5.2 Payment Method Ownership

Your registered payment accounts must be in your own name and match your verified CNIC. We verify this as part of the KYC process. If a withdrawal is requested to an account that does not match your verified identity, the request will be held for review.

5.3 Transaction Records

All deposit and withdrawal transactions are logged with timestamp, amount, payment method and status. These records are retained for seven years for anti-money-laundering compliance purposes, even after your account is closed. You can request a full transaction history for your account at any time by contacting support.

5.4 Fraud Screening

Transactions may be screened against fraud detection systems. If a deposit or withdrawal is flagged, we may request additional verification before processing. This is for your protection as much as the platform's.

6Cookies and Tracking Technologies

92co uses cookies and similar tracking technologies on the website and in the mobile app. A cookie is a small text file stored on your device that helps the platform remember your preferences and session state.

6.1 Essential Cookies

These are required for the platform to function. They keep you logged in during a session, remember your language and currency preferences and enable the shopping cart equivalent in the betting slip. You cannot opt out of essential cookies without the platform ceasing to work correctly.

6.2 Analytics Cookies

We use anonymised analytics to understand how players use the platform — which pages are visited most, where players navigate to and from, and which features are used. This data is aggregated and does not identify individual players. You can opt out of analytics tracking in your account settings or by using your browser's cookie management.

6.3 Preference Cookies

These remember your platform settings — for example, your preferred deposit method, notification preferences or which sports you follow most. Clearing your browser cookies will reset these preferences.

6.4 Managing Cookies

Most browsers allow you to view, block and delete cookies through the browser settings menu. Blocking all cookies will affect the functionality of the 92co platform. The mobile app uses in-app storage rather than browser cookies; these can be cleared by clearing the app's cache or uninstalling the app.

7How Long We Keep Your Data

We keep your personal data only as long as necessary for the purposes described in this policy, or as required by applicable law. Here is a summary of our main retention periods:

• Active account data (name, contact details, preferences): kept for as long as your account is active, plus a reasonable period after closure to handle any outstanding queries.
• KYC documents (CNIC scan, verification result): retained for a minimum of five years from the date of verification, as required for anti-money-laundering compliance.
• Transaction records (deposits, withdrawals, bet history): retained for seven years from the date of the transaction.
• Support communications: retained for three years from the date of last communication.
• Marketing preferences and opt-in records: retained while your account is active and for two years after closure.
• Anonymised analytics data: retained indefinitely, as it cannot be linked back to an individual.

After the relevant retention period, data is securely deleted or permanently anonymised so it can no longer be linked to you.

8How We Protect Your Data

Protecting your personal data is a priority. We have implemented a range of technical and organisational measures to keep your information safe:

• SSL/TLS encryption: all data transmitted between your device and the 92co platform is encrypted using industry-standard TLS. The padlock in your browser and the HTTPS address confirm this is active.
• Encryption at rest: sensitive data stored on our servers — including CNIC details, payment information and passwords — is encrypted at rest.
• Password hashing: your password is never stored in plain text. We use a strong one-way hashing algorithm, which means even internally, no one can read your password.
• Access controls: access to personal data is restricted to staff who need it to do their jobs. Access rights are reviewed regularly and revoked immediately when no longer required.
• Two-factor authentication: optional 2FA is available for your 92co account to add an extra layer of login security.
• Fraud monitoring: automated systems monitor for unusual account activity, login attempts from new devices and suspicious transaction patterns.
• Third-party security audits: our platform infrastructure is reviewed periodically by independent security specialists.

While we take every reasonable precaution, no platform can guarantee 100% security against all cyber threats. If you suspect your account has been compromised, contact support immediately to lock the account.

9Your Data Rights

You have the following rights over your personal data held by 92co. To exercise any of these rights, contact our support team and we will respond within a reasonable timeframe — typically within 30 days.

10Children and Minors

92co is strictly an 18+ platform. We do not knowingly collect personal data from anyone under 18 years of age. Age verification is performed as part of the registration and KYC process to confirm that players meet the minimum age requirement.

If we discover that an account has been created by a player under 18, we will immediately suspend the account, void any winnings and return the net deposit balance (after bonus deduction) to the payment method used to deposit. Any personal data collected for that account will be deleted promptly, except where retention is required by law.

If you are a parent or guardian and believe your child has created a 92co account, please contact our support team immediately. We will investigate and take appropriate action as quickly as possible.

11Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology or legal requirements. When we make significant changes, we will post a notice on the platform and update the "Last Updated" date at the top of this page.

We encourage you to check this page periodically. For major changes that materially affect how we use your data, we will notify active players directly via email or in-app notification before the changes take effect.

Continued use of 92co after updated privacy terms have been published and any required notice period has passed means you accept the revised policy.

12How to Contact Us About Privacy

If you have any questions about this Privacy Policy, want to exercise your data rights, or have concerns about how your personal information is being handled, please reach out to the 92co support team. We are available 24/7 via live chat on the website and app, and you can also reach us by email — details are in the footer of every page.

Please include your registered mobile number or email address when contacting us about a privacy matter so we can locate your account and respond accurately. We aim to respond to all privacy-related queries within five working days and will let you know if a query is going to take longer to resolve.