pak95 Privacy Policy

pak95 is Pakistan's leading online casino and sports betting platform, operating under an international gaming license and serving registered players across Karachi, Lahore, Faisalabad, Islamabad, and beyond. The pak95 platform is accessible at pak95.net and provides a full suite of online gaming services including casino games, live dealer tables, sports betting, cricket betting, slot games, and color game products.

For the purposes of this Privacy Policy, "pak95", "we", "us", and "our" refer to the operating entity behind the pak95 platform. "You" and "Player" refer to any individual who accesses, registers on, or otherwise uses the pak95 platform.

pak95 acts as the data controller in respect of all personal data collected through the pak95 platform. This means pak95 determines the purposes for which your personal data is processed and the manner in which it is processed. Where pak95 engages third-party service providers to process data on its behalf, those providers act as data processors under pak95's instructions.

If you have any questions about this Privacy Policy, your data, or your rights, please contact our dedicated support team via live chat inside your account dashboard or by email at [email protected].

pak95 collects several categories of personal data from Players, both at the point of registration and on an ongoing basis during your use of the platform. The categories of data we collect are described in the table below:

pak95 does not collect any Special Category Data (such as health information, racial or ethnic origin, religious beliefs, or political opinions) unless you voluntarily disclose such information in the course of a support interaction. In that case, pak95 will only use such data to address your immediate query and will not retain it beyond what is necessary for that purpose.

pak95 collects personal data through the following channels and methods:

• Direct Submission: Information you provide when registering an account, completing KYC verification, making a deposit, submitting a withdrawal request, contacting customer support, or responding to surveys and promotions.
• Automated Technologies: Technical and usage data collected automatically when you access the pak95 platform, including through cookies, web beacons, server logs, and similar tracking technologies. See Section 8 (Cookies & Tracking) for full details.
• Payment Providers: Transaction confirmation data and mobile wallet identifiers received from JazzCash, EasyPaisa, HBL, UBL, and Meezan Bank in connection with your deposit and withdrawal activity on pak95.
• Identity Verification Services: Where pak95 engages third-party KYC or identity verification partners to cross-check CNIC details, liveness checks, or document authenticity, pak95 may receive verification results from those providers.
• Fraud Prevention Partners: pak95 may receive data from third-party fraud detection services used to identify suspicious activity, multiple account registrations, or potentially fraudulent transactions on the platform.

pak95 uses the personal data we collect for the following specific purposes. We do not use your data for any purpose not listed below without first providing you with notice and, where required, obtaining your consent:

• Account Management: To create, manage, and maintain your pak95 account, authenticate your identity at login, and process account-related requests such as password resets and preference updates.
• Identity Verification & KYC: To verify your identity and age (21+ requirement) as required under our international gaming license obligations. This includes verification of your CNIC and cross-checking your details against available identity databases where permitted.
• Payment Processing: To process your JazzCash, EasyPaisa, HBL, UBL, and Meezan Bank deposits and withdrawals, reconcile transactions, and maintain accurate financial records of all account activity.
• Platform Delivery: To make the pak95 platform, its games, sportsbook, live casino, cricket betting, and all other features available to you in a functional, personalised, and optimised manner.
• Responsible Gaming: To monitor your gaming behaviour for indicators of problem gambling, to apply deposit limits, session restrictions, and self-exclusion requests where made, and to provide responsible gaming interventions where appropriate.
• Fraud Prevention & Security: To detect, investigate, and prevent fraudulent transactions, multiple account registrations, bonus abuse, money laundering, and other prohibited activities on the pak95 platform.
• Legal & Regulatory Compliance: To comply with our obligations under applicable anti-money laundering (AML) regulations, our international gaming license conditions, and any lawful requests from regulatory or law enforcement authorities.
• Customer Support: To respond to your support queries, resolve complaints, and maintain records of communications for quality assurance and training purposes.
• Marketing & Promotions: To send you information about pak95 bonuses, promotions, new games, and PSL cricket betting offers — but only where you have opted in to receive marketing communications. You may withdraw your consent to marketing at any time via your account settings.
• Platform Improvement: To analyse usage patterns, identify technical issues, conduct A/B testing, and improve the pak95 platform experience for all users.

pak95 processes your personal data on one or more of the following legal bases, depending on the specific processing activity:

• Contractual Necessity: Processing your identity data, contact data, financial data, and account data is necessary to enter into and perform our contract with you (i.e., to provide you with a pak95 account and the associated gaming services). Without this processing, we cannot operate your account.
• Legal Obligation: Processing for KYC identity verification, AML compliance, age verification, and responses to regulatory or law enforcement requests is carried out to comply with our legal obligations under our gaming license conditions and applicable financial regulations.
• Legitimate Interests: Processing for fraud prevention, platform security, responsible gaming monitoring, and platform improvement is carried out on the basis of pak95's legitimate business interests, where those interests are not overridden by your rights and interests.
• Consent: Processing for direct marketing communications (promotional emails, bonus notifications, new game alerts) is carried out only on the basis of your explicit consent. You may withdraw this consent at any time by updating your notification preferences in your account dashboard or by contacting our support team.

pak95 does not sell your personal data to any third party. We share your personal data only in the following limited and controlled circumstances:

• Payment Processors: Your financial data (mobile wallet numbers, bank account details) is shared with JazzCash, EasyPaisa, HBL, UBL, and Meezan Bank solely to the extent necessary to process your deposit and withdrawal transactions. These providers are independently regulated financial institutions operating under their own privacy frameworks.
• Identity Verification Partners: Your identity data (name, CNIC details, date of birth) may be shared with third-party KYC verification providers to confirm your identity and age as required under our gaming license obligations.
• Game Providers: Technical session data (game round IDs, wager amounts, RNG outcomes) is shared with third-party game studios whose games are hosted on the pak95 platform, solely for the purpose of rendering game results and settling bets. Game providers do not receive your identity or financial data.
• Fraud Prevention & Security: IP addresses, device fingerprints, and account activity data may be shared with third-party fraud detection services to identify and prevent prohibited activities on the pak95 platform.
• Legal & Regulatory Authorities: pak95 may be required to disclose personal data to regulatory bodies, law enforcement agencies, or courts of competent jurisdiction where required by applicable law or under the conditions of our international gaming license. pak95 will only disclose the minimum data necessary to satisfy any such lawful request.
• Business Transfers: In the event of a merger, acquisition, or sale of substantially all of pak95's assets, your personal data may be transferred to the acquiring entity. You will be notified of any such transfer and given an opportunity to close your account if you do not wish your data to be transferred.

All third parties with whom pak95 shares personal data are required to process that data only for the specified purpose, to implement appropriate technical and organisational security measures, and to comply with applicable data protection obligations.

pak95 treats payment data with the highest level of security and care. The following specific provisions apply to the processing of your financial information on the pak95 platform:

• Encrypted Transmission: All payment data submitted to pak95 — including JazzCash wallet numbers, EasyPaisa mobile numbers, and bank account details — is transmitted over 256-bit SSL encrypted connections. Payment data is never transmitted in plain text.
• Tokenisation: Where technically supported, pak95 uses payment tokenisation to store a secure token referencing your payment account rather than the raw account details themselves. This minimises the risk of sensitive financial data being exposed in the event of a security incident.
• No Card Data Storage: pak95 does not store complete payment card numbers, CVV codes, or card expiry dates on its own servers. Any card-based payment processing is handled exclusively by PCI-DSS compliant third-party payment processors.
• Own Accounts Only: As stated in our Terms & Conditions, Players may only deposit from and withdraw to payment accounts registered in their own name. This restriction exists to protect you from fraud and to ensure compliance with AML regulations. pak95 verifies payment account ownership as part of its KYC process.
• Transaction Records: pak95 maintains a complete and accurate record of all financial transactions associated with your account, including deposit amounts, withdrawal amounts, dates, payment methods, and transaction reference numbers. These records are available for your review within your account dashboard at all times.

pak95 uses cookies and similar tracking technologies to operate the platform, remember your preferences, and improve your experience. The following categories of cookies are used on the pak95 platform:

• Strictly Necessary Cookies: These cookies are essential for the platform to function. They are used to maintain your login session, manage your account security token, and ensure the platform operates correctly. These cookies cannot be disabled as the platform cannot function without them.
• Functional Cookies: These cookies remember your preferences — such as your language settings, preferred game view, and notification preferences — so that you do not need to re-enter them on each visit.
• Performance & Analytics Cookies: pak95 uses analytics tools to collect aggregated, anonymised data about how Players navigate and interact with the platform. This data is used to identify and resolve technical issues and to improve the platform experience. No individually identifiable data is included in analytics reports.
• Responsible Gaming Cookies: pak95 uses session cookies to track your active gaming session duration and to trigger responsible gaming reminders where you have enabled session time limit notifications in your account settings.

You may manage your cookie preferences at any time via the cookie settings panel accessible from the footer of the pak95 platform. Please note that disabling functional or performance cookies may affect the quality of your platform experience. Strictly necessary cookies cannot be disabled.

pak95 retains your personal data only for as long as is necessary for the purposes for which it was collected, taking into account our legal and regulatory obligations. The following retention periods apply:

Upon expiry of the applicable retention period, pak95 will securely delete or anonymise your personal data in a manner that prevents reconstruction or re-identification. Where data is anonymised rather than deleted, the resulting anonymised data may be retained indefinitely for statistical and platform improvement purposes.

As a registered Player on the pak95 platform, you have the following rights in relation to your personal data. pak95 is committed to honouring these rights promptly and without undue restriction:

• Right of Access: You have the right to request a copy of all personal data that pak95 holds about you. pak95 will provide this information within 30 days of receiving a valid access request, free of charge for the first request in any 12-month period.
• Right to Rectification: If any personal data held by pak95 about you is inaccurate or incomplete, you have the right to request that it be corrected. You may update most account information directly via your account dashboard settings.
• Right to Erasure: In certain circumstances, you have the right to request that pak95 delete your personal data. Please note that this right is subject to limitations where pak95 is required to retain data for legal, regulatory, or contractual reasons — for example, financial transaction records must be retained for 7 years under AML regulations regardless of an erasure request.
• Right to Restrict Processing: You have the right to request that pak95 restrict the processing of your personal data in certain circumstances, such as while a dispute regarding data accuracy is being resolved.
• Right to Object: You have the right to object to the processing of your personal data where that processing is carried out on the basis of legitimate interests. You also have an unconditional right to object to processing for direct marketing purposes at any time.
• Right to Withdraw Consent: Where processing is based on your consent (e.g., marketing communications), you have the right to withdraw that consent at any time without affecting the lawfulness of processing carried out prior to withdrawal.
• Right to Data Portability: You have the right to request that pak95 provide your personal data in a structured, commonly used, machine-readable format, and to transfer that data to another service provider where technically feasible.

To exercise any of the above rights, please contact the pak95 support team via live chat in your account dashboard or by emailing [email protected]. pak95 may be required to verify your identity before processing a data rights request to protect against unauthorised access to another person's data.

pak95 implements a comprehensive set of technical and organisational security measures to protect your personal data against unauthorised access, accidental loss, destruction, or disclosure. Our security measures include:

• SSL/TLS Encryption: All data transmitted between your device and the pak95 platform is protected using 256-bit SSL/TLS encryption. Look for the padlock icon in your browser's address bar when using pak95.net.
• At-Rest Encryption: Sensitive personal data stored in pak95's databases — including identity documents, CNIC details, and financial records — is encrypted at rest using industry-standard encryption algorithms.
• Access Controls: Access to personal data within pak95's internal systems is restricted on a strict need-to-know basis. Staff members are only granted access to the categories of personal data required for their specific job function.
• Two-Factor Authentication: pak95 supports and strongly recommends enabling SMS-based two-factor authentication on your account to prevent unauthorised access even if your password is compromised.
• Security Monitoring: pak95's security systems continuously monitor for unusual access patterns, failed login attempts, and suspicious account activity. Anomalous events trigger automated alerts and manual review processes.
• Regular Security Audits: pak95's platform and data infrastructure undergoes regular internal and third-party security assessments to identify and remediate vulnerabilities before they can be exploited.
• Staff Training: All pak95 staff who handle personal data receive regular data protection and information security training as part of their onboarding and ongoing professional development.

In the event of a data breach that is likely to result in a risk to your rights and freedoms, pak95 will notify affected Players without undue delay and will take all reasonable steps to contain and remediate the breach as quickly as possible.

The pak95 platform is strictly intended for adults aged 21 years and above. pak95 does not knowingly collect, process, or store personal data from any individual under the age of 21. Registration on the pak95 platform by minors is strictly prohibited.

pak95 employs the following measures to prevent access by minors:

• Age declaration is required at the point of registration — all Players must confirm they are aged 21 or above before an account can be created.
• Age verification via CNIC (which requires the holder to be 18 years or above under Pakistani national identity law) is performed as part of the KYC process. pak95's minimum age of 21 is strictly enforced and exceeds the minimum CNIC eligibility age.
• If a Player's date of birth as submitted at registration indicates they are under 21, the registration process will be rejected immediately.
• pak95 staff are trained to flag any account activity that suggests the account may be operated by a minor and to escalate for immediate investigation and account suspension where warranted.

If you believe that a minor has registered on the pak95 platform, or if you are a parent or guardian who has discovered that a person under 21 in your care has been using pak95, please contact our support team immediately at [email protected]. We will investigate and take appropriate action, including immediate account closure and return of any deposited funds to the payment source.

pak95 reserves the right to update and amend this Privacy Policy from time to time to reflect changes in our data processing practices, changes to applicable legal or regulatory requirements, or changes to the pak95 platform. The date on which this Privacy Policy was last updated is displayed at the top of this page.

Where changes to this Privacy Policy are material — meaning they significantly affect the way we collect, use, or share your personal data — pak95 will notify registered Players by email to their registered address and/or via a prominent notice on the pak95 platform prior to the changes taking effect. Minor clarifications or non-material amendments may be made without prior notice.

Your continued use of the pak95 platform following the effective date of any updated Privacy Policy constitutes your acknowledgement of the revised policy. If you do not agree with any updated Privacy Policy, you should cease using the platform and may request voluntary account closure in accordance with the pak95 Terms & Conditions.

We encourage you to review this Privacy Policy periodically to stay informed of how pak95 protects and processes your personal data.

If you have any questions, concerns, or requests relating to this Privacy Policy or to pak95's processing of your personal data, please contact our support team using the details below:

• Live Chat: Available 24/7 inside your pak95 account dashboard — the fastest way to reach our data protection team.
• Email: [email protected] — privacy-related queries are typically responded to within 24 hours.
• Support Languages: English and Urdu.
• Support Hours: 24 hours a day, 7 days a week, including all Pakistani public holidays.

When submitting a privacy-related query or data rights request, please include your registered mobile number and account username so that our team can verify your identity and process your request efficiently.