48jl Privacy Policy

1. Introduction

1.1 48jl ("we," "us," "our," "the Company") is committed to protecting the privacy and personal data of all users ("you," "your," "the Player") of the 48jl platform. This Privacy Policy describes our practices regarding the collection, use, storage, sharing, and protection of your personal information.

1.2 This Privacy Policy is governed by the applicable data protection and privacy laws of the Republic of the Philippines, including the Data Privacy Act of 2012 (Republic Act No. 10173) and its implementing rules and regulations. 48jl is committed to full compliance with these requirements.

1.3 By accessing or using the 48jl platform, creating an account, or providing us with your personal information in any form, you consent to the collection and processing of your data as described in this Privacy Policy. If you do not agree with any part of this Policy, you should not use the 48jl platform.

1.4 This Privacy Policy should be read together with the 48jl Terms & Conditions. In the event of any conflict between this Policy and the Terms & Conditions on matters of data privacy, this Privacy Policy shall take precedence.

2. Data We Collect

48jl collects the following categories of personal data from players and platform users:

2.1 Identity & Registration Data

• Full legal name, date of birth, and nationality
• Government-issued identification details (for KYC/AML verification)
• Username and account credentials (password stored in hashed form only)
• Profile photograph (where provided for verification purposes)

2.2 Contact Data

• Email address and mobile phone number
• Residential address (city, province, postal code)
• Preferred communication language and notification preferences

2.3 Financial Data

• Payment method details (GCash account reference, PayMaya, BPI, BDO, Metrobank account identifiers)
• Transaction history including deposits, withdrawals, and wager records
• Account balance information

2.4 Technical & Usage Data

• IP address, device type, operating system, and browser information
• Login timestamps, session duration, and platform activity logs
• Game play history, betting patterns, and platform interaction data
• Geolocation data (city/region level, derived from IP address)

3. How We Collect Data

48jl collects personal data through the following means:

• Direct Collection: Information you provide when registering for a 48jl 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 48jl platform, including through cookies, web beacons, log files, and similar tracking technologies.
• Third-Party Sources: Identity verification and fraud prevention data from authorised third-party KYC/AML service providers; payment processing data from our approved payment partners (GCash, PayMaya, BPI, BDO, Metrobank).
• Publicly Available Sources: In limited circumstances, 48jl may supplement your data with information from publicly available sources for fraud prevention or regulatory compliance purposes.

4. How We Use Your Data

48jl uses your personal data for the following purposes:

5. Legal Basis for Processing

48jl processes your personal data on the following legal bases under the Data Privacy Act of 2012 and applicable regulations:

• Contractual Necessity: Processing required to fulfil our obligations under the Terms & Conditions you agreed to when registering for a 48jl account.
• Legal Obligation: Processing required to comply with applicable Philippine laws, including KYC/AML requirements, gaming regulations, and tax obligations.
• Legitimate Interests: Processing for fraud prevention, platform security, and service improvement, where these interests are not overridden by your privacy rights.
• Consent: Processing for marketing communications and non-essential cookies, where you have provided explicit consent. You may withdraw consent at any time without affecting the lawfulness of prior processing.

6. Data Sharing

6.1 48jl does not sell, rent, or trade your personal data to third parties for marketing purposes. We may share your data only in the following limited circumstances:

• Service Providers: Trusted third-party vendors who assist in operating the 48jl platform, including payment processors (GCash, PayMaya, BPI, BDO, Metrobank), KYC/identity verification providers, IT infrastructure providers, and customer support platforms. All service providers are bound by strict data processing agreements and confidentiality obligations.
• Regulatory Authorities: Philippine government agencies, law enforcement, and gaming regulators where disclosure is required by law, court order, or regulatory directive.
• Fraud Prevention Networks: Industry fraud prevention and AML screening services, where sharing is necessary to protect the integrity of the platform and comply with legal obligations.
• Business Transfers: In the event of a merger, acquisition, or sale of all or part of 48jl's business, your data may be transferred to the acquiring entity, subject to equivalent privacy protections.

6.2 Where data is shared with third parties outside the Philippines, 48jl will ensure that appropriate safeguards are in place to protect your personal data in accordance with applicable law.

7. Cookies & Tracking Technologies

7.1 The 48jl platform uses cookies and similar tracking technologies to enhance your experience, maintain session security, and analyse platform usage. Cookies are small text files stored on your device when you visit the platform.

7.2 48jl uses the following types of cookies:

• Essential Cookies: Required for the platform to function correctly, including session management and security features. These cannot be disabled without affecting platform functionality.
• Functional Cookies: Remember your preferences such as language settings and display options to personalise your experience.
• Analytics Cookies: Collect anonymised data about how players use the platform to help us improve performance and game offerings.
• Marketing Cookies: Used only where you have provided explicit consent, to deliver relevant promotional content.

7.3 You can manage your cookie preferences through your browser settings. Please note that disabling essential cookies may affect your ability to use certain features of the 48jl platform.

8. Data Retention

8.1 48jl retains your personal data for as long as your account remains active and for such additional periods as are required by applicable law or legitimate business necessity.

8.2 In general, 48jl applies the following retention periods:

• Account and identity data: Retained for the duration of your account and for a minimum of five (5) years following account closure, as required by Philippine AML regulations.
• Transaction records: Retained for a minimum of five (5) years from the date of each transaction.
• Customer support records: Retained for three (3) years from the date of the interaction.
• Technical and usage logs: Retained for up to twelve (12) months, unless required for longer periods for fraud investigation or legal proceedings.

8.3 When personal data is no longer required, 48jl will securely delete or anonymise it in accordance with our data disposal procedures.

9. Data Security

9.1 48jl implements a comprehensive set of technical and organisational security measures to protect your personal data against unauthorised access, disclosure, alteration, or destruction. These measures include:

• 256-bit SSL/TLS encryption for all data in transit between your device and our servers
• Encryption of sensitive data at rest using industry-standard algorithms
• Multi-factor authentication options for player accounts
• Regular security audits, vulnerability assessments, and penetration testing
• Strict access controls limiting data access to authorised personnel on a need-to-know basis
• Staff training on data protection and information security best practices

9.2 In the event of a personal data breach that is likely to result in a risk to your rights and freedoms, 48jl will notify the relevant Philippine regulatory authority and affected players in accordance with applicable legal requirements.

10. Your Rights

Under the Data Privacy Act of 2012 and applicable regulations, you have the following rights in relation to your personal data held by 48jl:

• Right to be Informed: The right to be told how your personal data is being collected and used – which this Privacy Policy fulfils.
• Right of Access: The right to request a copy of the personal data 48jl holds about you.
• Right to Rectification: The right to request correction of inaccurate or incomplete personal data.
• Right to Erasure: The right to request deletion of your personal data, subject to our legal retention obligations.
• Right to Object: The right to object to certain types of processing, including direct marketing.
• Right to Data Portability: The right to receive your personal data in a structured, commonly used format.
• Right to Lodge a Complaint: The right to lodge a complaint with the National Privacy Commission (NPC) of the Philippines if you believe your data rights have been violated.

To exercise any of these rights, please contact the 48jl Data Privacy team via our customer support channels. We will respond to all verified requests within thirty (30) days. We may need to verify your identity before processing your request.

11. Children's Privacy

11.1 The 48jl platform is strictly intended for adults aged 21 years and above. 48jl does not knowingly collect personal data from persons under the age of 21. If we become aware that personal data has been collected from a person under 21, we will take immediate steps to delete that data and close the associated account.

11.2 If you are a parent or guardian and believe that a minor has registered for a 48jl account or provided us with personal data, please contact our support team immediately so that we can take appropriate action.

12. Third-Party Links

12.1 The 48jl platform may contain references to third-party services such as payment providers. 48jl is not responsible for the privacy practices of any third-party services. We encourage you to review the privacy policies of any third-party services you interact with in connection with your use of 48jl.

12.2 This Privacy Policy applies solely to data collected by 48jl through the 48jl platform and does not cover data collected by third-party payment processors or other external services.

13. Changes to This Policy

13.1 48jl reserves the right to update or modify this Privacy Policy at any time. When we make material changes, we will notify registered players via email or an in-platform notification at least fourteen (14) days before the changes take effect, where practicable.

13.2 The effective date at the top of this page will always reflect the date of the most recent revision. We encourage you to review this Privacy Policy periodically to stay informed about how 48jl protects your data.

13.3 Your continued use of the 48jl platform after any changes to this Privacy Policy have taken effect constitutes your acceptance of the revised Policy.

14. Contact Us

14.1 If you have any questions, concerns, or requests regarding this Privacy Policy or the way 48jl handles your personal data, please contact our Data Privacy team through our customer support channels.

14.2 You may reach us via live chat on the 48jl platform (available 24/7) or by email at: [email protected]

14.3 If you are not satisfied with our response to a privacy concern, you have the right to lodge a complaint with the National Privacy Commission (NPC) of the Philippines.