jl98 Privacy Policy

jl98 ("jl98," "we," "us," or "our") operates the online gaming platform accessible at jl98.one. This Privacy Policy describes how jl98 collects, processes, stores, and protects personal information provided by users ("you" or "your") of the Platform, in accordance with the Republic Act No. 10173, also known as the Data Privacy Act of 2012 of the Philippines, and its implementing rules and regulations.

By registering an account or using any jl98 service, you consent to the collection and processing of your personal data as described in this Privacy Policy. If you do not agree with any part of this Policy, you should not use the Platform.

This Privacy Policy should be read together with our Terms & Conditions. In the event of any conflict between this Policy and the Terms & Conditions regarding data privacy matters, this Privacy Policy shall prevail.

jl98 collects the following categories of personal data:

2.1 Identity Data

• Full legal name
• Date of birth (for age verification — 21+ requirement)
• Government-issued identification number (e.g., PhilSys ID, passport, driver's license)
• Nationality and country of residence
• Profile photograph (where required for KYC verification)

2.2 Contact Data

• Email address
• Mobile phone number
• Residential address (city, province, postal code)

2.3 Financial Data

• GCash or Maya account reference (mobile number associated with the e-wallet)
• Bank account details (bank name, account number) for bank transfer transactions
• Transaction history: deposit amounts, withdrawal amounts, dates, and payment method used

2.4 Gaming Data

• Game history: games played, wager amounts, outcomes, session duration
• Account balance history
• Bonus and promotion usage
• Responsible gaming settings (deposit limits, self-exclusion status)

2.5 Technical Data

• IP address and approximate geolocation
• Device type, operating system, and browser information
• Session logs and access timestamps
• Cookie identifiers and similar tracking data (see Section 8)

2.6 Communications Data

• Records of your communications with jl98 customer support (live chat transcripts, support ticket content)
• Survey responses and feedback submitted through the Platform

jl98 collects personal data through the following means:

• Direct collection: Information you provide when registering an account, completing identity verification, making deposits or withdrawals, contacting customer support, or participating in promotions.
• Automated collection: Technical data collected automatically when you access the Platform, including through cookies, web beacons, and server logs.
• Third-party sources: Identity verification data from KYC service providers; fraud detection signals from security partners; payment confirmation data from payment processors (GCash, Maya, partner banks).

jl98 processes your personal data for the following purposes and on the following legal bases:

• Account management: To create, maintain, and administer your jl98 account, including processing your login credentials and account settings. (Legal basis: contract performance)
• Identity verification: To verify your age (21+ requirement) and identity in compliance with PAGCOR regulations and anti-money laundering obligations. (Legal basis: legal obligation)
• Transaction processing: To process deposits, withdrawals, and bonus credits accurately and securely. (Legal basis: contract performance)
• Platform security: To detect, prevent, and investigate fraud, cheating, money laundering, and other prohibited activities. (Legal basis: legitimate interest / legal obligation)
• Responsible gaming: To monitor gaming patterns and enforce responsible gaming tools such as deposit limits and self-exclusion. (Legal basis: legal obligation / legitimate interest)
• Customer support: To respond to your inquiries, resolve disputes, and improve support quality. (Legal basis: contract performance)
• Platform improvement: To analyze usage patterns and improve the Platform's features, performance, and user experience. (Legal basis: legitimate interest)
• Marketing communications: To send you promotional offers and platform updates, where you have opted in to receive such communications. (Legal basis: consent — you may withdraw at any time)
• Legal compliance: To comply with applicable Philippine laws, regulations, court orders, and regulatory requirements. (Legal basis: legal obligation)

jl98 will not use your personal data for any purpose that is incompatible with the purposes listed above without first obtaining your consent or establishing another lawful basis for processing.

jl98 does not sell, rent, or trade your personal data to third parties for their own marketing purposes. We may share your data with the following categories of recipients, strictly on a need-to-know basis:

• Payment processors: GCash, Maya, and partner banks receive the minimum data necessary to process your deposit and withdrawal transactions.
• KYC / identity verification providers: Third-party services that assist with age and identity verification as required by PAGCOR regulations.
• Fraud prevention and security partners: Services that help jl98 detect and prevent fraudulent activity, cheating, and money laundering.
• IT and infrastructure providers: Cloud hosting, database, and technical service providers who process data on jl98's behalf under strict data processing agreements.
• Regulatory authorities: PAGCOR and other Philippine government agencies, where disclosure is required by law, regulation, or court order.
• Legal and professional advisors: Lawyers, auditors, and other professional advisors where necessary for legal proceedings or compliance purposes.

All third parties with whom jl98 shares personal data are required to handle that data in accordance with applicable data protection laws and jl98's data processing requirements. jl98 does not authorize third parties to use your data for their own independent purposes.

jl98 retains your personal data for as long as your account is active and for a period thereafter as required by applicable law and regulation. Specifically:

• Account data: Retained for the duration of your account and for a minimum of five (5) years following account closure, in compliance with anti-money laundering record-keeping requirements under Philippine law.
• Transaction records: Retained for a minimum of five (5) years from the date of the transaction.
• KYC / identity verification documents: Retained for the duration of your account and for five (5) years following account closure.
• Customer support records: Retained for three (3) years from the date of the interaction.
• Marketing consent records: Retained until you withdraw consent, plus a reasonable period thereafter for compliance documentation purposes.

When personal data is no longer required for the purposes for which it was collected and the applicable retention period has expired, jl98 will securely delete or anonymize the data.

jl98 implements appropriate technical and organizational measures to protect your personal data against unauthorized access, disclosure, alteration, or destruction. These measures include:

• Encryption of data in transit using TLS (Transport Layer Security) protocols
• Encryption of sensitive data at rest
• Access controls limiting data access to authorized personnel on a need-to-know basis
• Regular security assessments and vulnerability testing
• Employee training on data protection and information security
• Incident response procedures for detecting and responding to data breaches

In the event of a personal data breach that is likely to result in a risk to your rights and freedoms, jl98 will notify the National Privacy Commission (NPC) and affected users in accordance with the requirements of the Data Privacy Act of 2012 and its implementing rules.

jl98 uses cookies and similar tracking technologies to operate and improve the Platform. Cookies are small text files stored on your device when you visit the Platform.

8.1 Types of Cookies We Use

• Strictly necessary cookies: Required for the Platform to function. These include session cookies that keep you logged in and security cookies that protect against fraud. These cannot be disabled.
• Functional cookies: Remember your preferences (e.g., language settings, responsible gaming settings) to provide a more personalized experience.
• Analytics cookies: Help jl98 understand how users interact with the Platform — which pages are visited most, where users encounter issues, and how the Platform can be improved. Data collected is aggregated and anonymized where possible.
• Security cookies: Used to detect and prevent fraudulent activity, bot access, and other security threats.

8.2 Managing Cookies

You can control non-essential cookies through your browser settings. Most browsers allow you to refuse cookies, delete existing cookies, or be notified when a cookie is set. Note that disabling certain cookies may affect the functionality of the Platform — for example, you may be required to log in more frequently.

Under the Data Privacy Act of 2012 of the Philippines, you have the following rights with respect to your personal data held by jl98:

• Right to be informed: You have the right to know what personal data jl98 holds about you and how it is being processed.
• Right of access: You may request a copy of the personal data jl98 holds about you.
• Right to rectification: You may request correction of any inaccurate or incomplete personal data we hold about you.
• Right to erasure: You may request deletion of your personal data where it is no longer necessary for the purposes for which it was collected, subject to jl98's legal retention obligations.
• Right to object: You may object to the processing of your personal data for direct marketing purposes at any time. You may also object to processing based on legitimate interests, subject to jl98's overriding legitimate grounds.
• Right to data portability: You may request that jl98 provide your personal data in a structured, commonly used, and machine-readable format.
• Right to withdraw consent: Where processing is based on your consent (e.g., marketing communications), you may withdraw that consent at any time without affecting the lawfulness of processing carried out before withdrawal.
• Right to lodge a complaint: You have the right to lodge a complaint with the National Privacy Commission (NPC) of the Philippines if you believe jl98 has not handled your personal data in accordance with applicable law.

To exercise any of these rights, please contact jl98 through the live chat support feature on the Platform or via the email address listed in Section 13. jl98 will respond to all verified requests within thirty (30) days, or within such other timeframe as required by applicable law.

The jl98 Platform is strictly intended for individuals who are 21 years of age or older. jl98 does not knowingly collect personal data from persons under the age of 21.

Age verification is conducted as part of the registration and KYC process. If jl98 discovers that personal data has been collected from a person under 21 years of age, that account will be suspended immediately and the personal data will be deleted as soon as practicable, subject to any legal obligations to retain records of the incident.

If you are a parent or guardian and believe that a minor has registered an account on jl98, please contact us immediately through the live chat support feature so we can take appropriate action.

The jl98 Platform may integrate with or reference third-party services, including payment processors (GCash, Maya, partner banks) and game content providers. These third parties operate under their own privacy policies, which are independent of this Privacy Policy.

jl98 is not responsible for the privacy practices of third-party services. When you interact with a third-party payment processor to complete a deposit or withdrawal, that interaction is governed by the third party's own terms and privacy policy. jl98 only receives the transaction confirmation data necessary to credit or debit your account.

jl98 does not embed third-party advertising networks or social media tracking pixels on the Platform. Your gaming activity on jl98 is not shared with social media platforms or advertising networks.

jl98 reserves the right to update or amend this Privacy Policy at any time to reflect changes in our data practices, applicable law, or regulatory requirements. When material changes are made, we will update the "Last updated" date at the top of this page and, where practicable, notify registered users via the Platform or by other reasonable means.

Your continued use of the Platform following the posting of an updated Privacy Policy constitutes your acceptance of the revised Policy. If you do not agree with the changes, you should stop using the Platform and may request account closure in accordance with the Terms & Conditions.

We encourage you to review this Privacy Policy periodically. The most current version will always be available at jl98.one/privacy-policy.

If you have any questions, concerns, or requests regarding this Privacy Policy or jl98's handling of your personal data, please contact our Data Protection Officer through the following channel:

jl98 aims to acknowledge all privacy-related inquiries within five (5) business days and to resolve them within thirty (30) days. For complex requests, we may require additional time and will notify you accordingly.

You also have the right to escalate unresolved privacy concerns to the National Privacy Commission (NPC) of the Philippines, the regulatory body responsible for enforcing the Data Privacy Act of 2012.