95ko's Privacy Policy

1 Introduction and Definitions

95ko ("we", "our", or "platform") is an online betting and casino service operated for players in Bangladesh. This privacy policy describes how we collect, process, store, and disclose your personal information when you use our website and related services.

"Personal information" refers to any information that can directly or indirectly identify an individual, such as name, address, phone number, email address, financial information, and other related details.

1.1 Scope of Application

This privacy policy applies to all 95ko services, including our website, mobile services, live chat support, and any related digital channels. By using our platform, you confirm that you have read and agreed to all terms of this policy.

1.2 Age Requirement

Our services are only for those aged 21 or above. If we become aware that information has been collected from a minor, we will delete it immediately and take steps to close the associated account.

2 Data Collection

95ko collects your information in various ways. Below we describe what types of information are collected and under what circumstances.

2.1 Registration and Account Information

When creating an account, we collect the following information:

• Full name and date of birth
• Email address and username
• Mobile phone number
• Residential address
• Password (stored in encrypted form)

2.2 Financial Information

Information required for processing transactions, such as:

• bKash, Nagad, Rocket, or Upay mobile banking number
• Bank account details (for bank transfers)
• Deposit and withdrawal history
• Transaction date and amount

2.3 Identity Verification Information

To ensure security and prevent fraudulent activity, we may collect copies of government-issued ID or passport as part of the KYC (Know Your Customer) process.

2.4 Automatically Collected Information

The following information is automatically recorded when you visit our website:

• IP address and device identifier
• Browser type and operating system
• Pages visited and session duration
• Referral source and click patterns

3 Purpose of Data Use

We use your personal information only for legitimate and specific purposes. 95ko never uses your information for unnecessary or unauthorised purposes.

3.1 Service Delivery and Operations

• Account creation, verification, and management
• Processing deposit and withdrawal transactions
• Distributing bonuses and rewards
• Managing VIP programme and loyalty points
• Providing 24/7 customer support

3.2 Security and Fraud Prevention

• Preventing unauthorised access to accounts
• Monitoring suspicious transactions
• Detecting money laundering and fraudulent activity
• Identity verification and KYC compliance

3.3 Service Improvement and Personalisation

• Improving the user experience
• Displaying relevant games and bonus offers
• Resolving technical issues on the platform
• Reviewing and improving service quality

3.4 Communications

We may use your email or mobile number to send important account notifications, transaction confirmations, security alerts, and relevant promotional information. You can opt out of promotional communications at any time.

4 Data Storage and Protection

95ko places the highest importance on protecting your personal information. We use industry-standard technical and organisational measures to keep your information safe from unauthorised access, damage, or disclosure.

4.1 Technical Security Measures

• SSL (Secure Socket Layer) encryption — all data transmissions are encrypted
• Passwords stored in hashed form only
• Financial information secured in a fully encrypted database
• Regular security audits and vulnerability testing
• Firewall and intrusion detection systems

4.2 Organisational Security Measures

• Staff privacy training and awareness programmes
• Restricted access controls — only authorised staff can access data
• Data breach detection and response plan
• Regular system backups

5 Sharing Data with Third Parties

95ko does not sell or rent your personal information to third parties. However, in certain circumstances we may share your information with trusted partners.

5.1 Service Provider Partners

For payment processing, we work with payment gateway services such as bKash, Nagad, Rocket, and Upay. These partners are given only the minimum information necessary to complete a transaction. They are required to comply with our privacy standards.

5.2 Legal Obligations

Information may be disclosed due to legal obligations in the following circumstances:

• Court orders or lawful requests from law enforcement authorities
• Compliance with anti-money laundering (AML) regulatory authorities
• Assistance in fraud investigations
• Addressing an immediate threat to life or property

5.3 Game Providers

Technical information necessary for providing gaming services may be exchanged with game providers such as Pragmatic Play, Spribe, JILI, PG Soft, and others. However, no personal identification information about you is sent to them.

6 Cookies and Tracking

Our website uses cookies and similar tracking technologies. Cookies are small text files stored on your device that help improve your browsing experience.

6.1 Types of Cookies

• Essential cookies: Required to keep login sessions active, maintain security, and ensure the basic functionality of the platform.
• Functionality cookies: Used to remember your language preferences and other settings.
• Analytical cookies: Help improve services by analysing website usage patterns.

6.2 Cookie Controls

You can disable or delete cookies at any time by changing your browser settings. However, disabling essential cookies may cause some basic platform features to not work properly.

7 User Rights

95ko believes every user should have full control over their personal information. We ensure the following rights:

7.1 Right to Access

You have the right to know what information we store about you. You can request a copy of this information by contacting our support team.

7.2 Right to Rectification

If any of your information is incorrect or incomplete, let us know and we will correct it. You can also update some information directly from your account settings.

7.3 Right to Erasure

In certain circumstances, you may request that your personal information be deleted. However, some information may need to be retained due to legal obligations or ongoing disputes.

7.4 Right to Object to Processing

You have the right to object to the use of your information for marketing or promotional communications. Please contact our support team in such cases.

7.5 How to Exercise Your Rights

To exercise any of the above rights, email [email protected] or contact our 24/7 live chat. We will respond within 30 business days of receiving your request.

8 Protection of Minors

Our services are only for those aged 21 or above. We are committed to fully preventing the collection and processing of personal information from minors.

8.1 Age Verification Measures

The registration process includes a step to verify age. In suspicious cases, we may request a government-issued ID or birth certificate.

8.2 Identification of Underage Users

If we have collected information from a minor, we will immediately close that account, cancel all transactions, and delete all related data.

9 Data Retention Period

We store your personal information only for as long as necessary. The retention period is determined based on the type and purpose of the data.

9.1 Active Account Data

All account data is retained for as long as your account remains active. This information is necessary to maintain service quality and ensure security.

9.2 Closed Account Data

Even after an account is closed, certain data — particularly financial transaction records — may be retained for a defined period due to legal obligations. This requirement is mandatory under anti-money laundering regulations.

9.3 Marketing Data

If you opt out of marketing communications, we will immediately stop using your contact information for that purpose.

10 Policy Changes

95ko reserves the right to update this privacy policy from time to time. Changes may be made to the policy due to service improvements, technological changes, or legal requirements.

10.1 Notice of Changes

For any significant changes, we will:

• Send a notification to your registered email address
• Clearly announce the changes on the website
• Update the "Last Updated" date at the top of this page

10.2 Acceptance of Updated Policy

Continued use of the service after notification of changes will be considered as your acceptance of the updated policy. If you do not agree to the updated policy, please contact us to stop using the service and close your account.