Panaloka Privacy Policy for Players in the Philippines

Who this Privacy Policy applies to

This policy applies to people who visit panaloka.app, register with Panaloka, use Panaloka sports betting or casino services, join the VIP Club, make a deposit or withdrawal, participate in a promotion, or communicate with Panaloka. It also applies when a person begins registration but does not complete the process.

In this policy, “personal information” means information that identifies you directly or can reasonably be connected with you. It may include identity data, contact details, financial records, account activity, device information, and communications. Data that has been properly anonymised so it can no longer identify a person is not treated as personal information.

Using Panaloka means you acknowledge that information will be handled as described here. This Privacy Policy should be read together with the Panaloka Terms and Conditions and Responsible Gaming information.

Information Panaloka may collect

Panaloka may collect information directly from you, automatically from your device, or from organisations involved in account verification and payment processing. The exact information depends on how you use Panaloka.

Account and identity information

• Full legal name, date of birth, nationality, residential address, email address, and Philippine mobile number.
• Username, encrypted account credentials, security settings, account status, and communication preferences.
• Government-issued identification details, photographs, proof of address, and identity verification results.

Payment and transaction information

• Deposit and withdrawal values, dates, payment channels, reference numbers, and transaction status.
• Limited account information related to GCash, Maya, GrabPay, Coins.ph, InstaPay, PESONet, BDO, BPI, UnionBank, Visa, or Mastercard transactions.
• Source-of-funds information where Panaloka must complete enhanced checks.

Betting and gaming information

• Bets, stakes, odds, game rounds, winnings, losses, bonuses, cash-outs, and account balance history.
• Sports, leagues, games, and promotions viewed or used through Panaloka.
• Responsible gaming settings, including deposit limits, cooling-off requests, and self-exclusion records.

Technical and communication information

• IP address, browser type, operating system, device identifiers, login time, language settings, and diagnostic records.
• Messages sent to Panaloka support, complaint details, security reports, and responses to player surveys.

How Panaloka uses personal information

Panaloka uses personal information for specific business, security, player-care, and compliance purposes. Panaloka does not use data in a way that is unrelated to the reason it was collected unless another lawful basis applies.

• Account administration: to register players, authenticate logins, maintain profiles, recover accounts, and provide requested Panaloka services.
• Bet and game processing: to record wagers, settle outcomes, calculate balances, distribute winnings, and investigate disputed rounds.
• Payment processing: to confirm deposits, approve withdrawals, reconcile transactions, and respond to payment queries.
• Identity and age checks: to confirm that a player is eligible and at least 18 years old.
• Safety and fraud prevention: to detect account takeovers, duplicate accounts, payment abuse, collusion, money laundering, and other suspicious behaviour.
• Responsible gaming: to identify possible signs of harmful play, apply player limits, honour exclusions, and provide relevant account support.
• Customer service: to answer questions, investigate complaints, and keep a reliable record of Panaloka support conversations.
• Service improvement: to understand performance, correct technical issues, and make the Panaloka website easier to use on Philippine mobile networks.

Legal grounds for processing

Depending on the activity, Panaloka processes personal information because it is necessary to provide the service you requested, comply with legal and regulatory duties, protect legitimate business and security interests, or act with your consent.

Contractual processing includes creating your Panaloka account, recording bets, managing balances, and processing requested withdrawals. Legal and regulatory processing may include identity checks, record keeping, fraud investigation, anti-money-laundering controls, and responses to valid government requests.

Panaloka may rely on legitimate interests to secure the platform, prevent misuse, improve website performance, and understand how services are used. Where consent is the appropriate basis, you may withdraw it, although withdrawal does not affect processing that was already lawful.

Payments and identity verification

Panaloka works with payment and verification providers to support deposits, withdrawals, identity checks, and transaction monitoring. Panaloka generally receives the information required to confirm a transaction rather than complete financial account credentials that are handled directly by the provider.

Before a first withdrawal or during a security review, Panaloka may request a government-issued ID, proof of address, payment ownership evidence, or a current photograph. These checks protect players from impersonation and help Panaloka comply with applicable requirements.

Payment information must belong to the registered player. Panaloka may pause or reject a transaction if the payment name does not match the verified account, if documentation appears altered, or if activity requires additional review. Verification records are retained only for as long as needed under the retention principles explained below.

Cookies and similar technology

Panaloka may use cookies and related browser technology to keep players signed in, remember security choices, maintain bet slips, measure website reliability, and understand which features need improvement. Some cookies are necessary for the Panaloka service to function correctly.

You can manage cookies through your browser settings. Blocking essential cookies may prevent login, payment confirmation, game loading, or other account functions. Panaloka may also use aggregated measurements that do not directly identify an individual player.

Device and network information helps Panaloka recognise suspicious access, troubleshoot loading problems, and present layouts suited to mobile or desktop screens. Panaloka does not use technical data as a reason to ignore the privacy choices described in this policy.

When Panaloka may share information

Panaloka does not sell player information. Panaloka may share limited information with organisations that are necessary for safe and lawful operation, subject to suitable confidentiality, security, and data-handling requirements.

• Payment providers and banks: to process GCash, Maya, GrabPay, Coins.ph, InstaPay, PESONet, BDO, BPI, UnionBank, Visa, or Mastercard transactions.
• Identity and security providers: to verify documents, detect fraud, protect logins, and investigate suspicious activity.
• Game and platform providers: to deliver games, record outcomes, diagnose faults, and resolve disputed activity.
• Professional advisers: to obtain legal, audit, compliance, or technical assistance under confidentiality duties.
• Public authorities: when Panaloka must respond to a valid legal process, regulatory request, or law-enforcement requirement.

Panaloka limits shared information to what is reasonably required for the relevant task. Providers are not authorised to use Panaloka player data for their independent marketing unless they have obtained their own valid permission directly from the player.

Security and account protection

Panaloka uses layered safeguards designed to protect personal information. These may include controlled access, encrypted connections, account monitoring, secure development procedures, staff confidentiality duties, backup controls, and incident response processes.

No online service can promise absolute security. Players also have an important role. Use a unique Panaloka password, keep one-time codes private, sign out on shared devices, and contact Panaloka immediately if you notice an unfamiliar login or transaction. Panaloka staff will never ask you to disclose your full password.

If Panaloka confirms a data incident that creates a material risk to affected players, Panaloka will investigate, contain the issue, document the response, and provide notices required by applicable Philippine rules.

How long information is retained

Panaloka keeps personal information only for as long as it is reasonably necessary for the purpose for which it was collected, including account operation, transaction settlement, fraud prevention, dispute handling, responsible gaming, and legal compliance.

Closing a Panaloka account does not always mean every record can be deleted immediately. Panaloka may need to retain identity, payment, betting, exclusion, and complaint records for a required period. Retention also helps Panaloka honour self-exclusion requests and respond to later disputes.

When information is no longer required, Panaloka takes reasonable steps to delete it, anonymise it, or place it beyond routine use. Different categories may have different retention periods because payment, security, and gaming records do not all serve the same purpose.

Your privacy rights and requests

Subject to applicable law and reasonable identity verification, you may ask Panaloka about the personal information it holds and how that information is used. Depending on the circumstances, you may request access, correction, deletion, restriction, portability, or objection to certain processing.

If your Panaloka profile contains an outdated mobile number, address, or other detail, please request correction promptly. Accurate information helps prevent delayed withdrawals and unnecessary verification concerns.

Some requests may be limited where Panaloka must keep records for legal compliance, fraud prevention, a live dispute, responsible gaming protection, or the establishment of legal claims. Panaloka will explain the reason if a request cannot be completed in full.

To submit a privacy request, write to privacy@panaloka.app and include your registered name, account identifier, and a clear description of the request. Do not send your account password. Panaloka may request additional information to confirm that the request genuinely came from you.

Marketing and communication preferences

Panaloka may send essential account communications about security, transactions, policy changes, betting settlements, verification, or service interruptions. These operational messages are necessary even if you do not wish to receive promotional content.

Where permitted, Panaloka may send information about promotions, bonuses, tournaments, or new games using the contact details connected with your account. You can change promotional preferences through available account controls or ask Panaloka support to update them.

Choosing not to receive marketing does not close your account or prevent normal use of Panaloka. It also does not stop essential service messages that protect your account or explain a requested transaction.

Age restrictions and responsible gaming

Panaloka is intended only for people aged 18 and above. Panaloka does not knowingly allow minors to register, deposit, bet, or play. Identity and age checks may be completed during registration, before withdrawal, or whenever account information needs confirmation.

If Panaloka learns that information belongs to a minor, the account may be restricted while the matter is investigated. Parents or guardians who believe a minor has provided information to Panaloka should contact the privacy team promptly.

Responsible gaming information is treated with particular care. Deposit limits, cooling-off periods, support discussions, and self-exclusion records may be retained to protect the player and ensure Panaloka continues to respect the selected restriction. More guidance is available on the Responsible Gaming page.

Policy changes and privacy contact

Panaloka may update this Privacy Policy when services, technology, security procedures, or legal obligations change. The current version will appear on this page with its effective date. Where a change materially affects how Panaloka handles player information, an additional account notice may be provided.

Questions, concerns, and privacy requests can be sent to privacy@panaloka.app. General account support is available at support@panaloka.app. Please provide enough detail for Panaloka to understand the issue, but never include your password or one-time security code.