cowins88 Privacy Policy

1Who We Are

cowins88 is an online gaming and sports betting platform operated for Filipino players. Our Platform offers live casino games, slots, bingo, fishing games, and sports betting, all denominated in Philippine Peso (PHP). cowins88 serves players across the Philippines, including Metro Manila, Cebu, Davao, Quezon City, Makati, and beyond.

For the purposes of the Data Privacy Act of 2012, cowins88 acts as the Personal Information Controller in respect of the personal data you provide to us or that we collect about you through your use of the Platform.

2Data We Collect

cowins88 collects the following categories of personal data from players and visitors to the Platform:

cowins88 does not collect sensitive personal information beyond what is strictly necessary for identity verification and regulatory compliance. We do not collect data relating to race, religion, political affiliation, or health conditions unless specifically required by law.

3How We Collect Data

cowins88 collects personal data through the following means:

• Direct Interactions: When you register a cowins88 account, complete KYC verification, make a deposit or withdrawal, contact our support team, or submit any form on the Platform, you directly provide us with personal data.
• Automated Technologies: When you access the cowins88 Platform, we automatically collect technical and usage data through cookies, web beacons, server logs, and similar tracking technologies. This data helps us maintain Platform security and improve your experience.
• Third-Party Sources: We may receive data about you from third-party payment processors (such as GCash or your bank), identity verification service providers, and fraud prevention partners. This data is used solely to verify your identity and process transactions securely.
• Publicly Available Sources: In limited circumstances related to fraud prevention or regulatory compliance, cowins88 may consult publicly available sources to verify information you have provided.

4Why We Use Your Data

cowins88 uses your personal data for the following purposes:

• Account Management: To create, maintain, and manage your cowins88 account, including processing your registration and verifying your identity;
• Service Delivery: To provide you with access to games, process bets, calculate winnings, and deliver the full range of cowins88 Platform features;
• Payment Processing: To process deposits and withdrawals via GCash, PayMaya, BPI, BDO, Metrobank, and other supported payment methods in Philippine Peso (PHP);
• Regulatory Compliance: To comply with our obligations under Philippine law, including the Data Privacy Act of 2012, Anti-Money Laundering Act, and PAGCOR regulatory requirements — including KYC and transaction monitoring;
• Responsible Gaming: To administer deposit limits, self-exclusion requests, cooling-off periods, and other responsible gaming tools you activate on your cowins88 account;
• Security & Fraud Prevention: To detect, investigate, and prevent fraudulent activity, unauthorized account access, and other security threats to the Platform;
• Customer Support: To respond to your inquiries, resolve disputes, and provide technical assistance;
• Platform Improvement: To analyze usage patterns, conduct research, and improve the features, performance, and user experience of the cowins88 Platform;
• Marketing Communications: To send you promotional offers, bonus notifications, and Platform updates — but only where you have provided your consent to receive such communications. You may opt out at any time.

5Legal Basis for Processing

Under the Data Privacy Act of 2012, cowins88 processes your personal data on the following legal bases:

• Contractual Necessity: Processing is necessary to perform our contract with you — i.e., to operate your cowins88 account and deliver the services you have requested;
• Legal Obligation: Processing is required to comply with applicable Philippine laws and regulations, including PAGCOR requirements, AML obligations, and tax reporting;
• Legitimate Interests: Processing is necessary for cowins88's legitimate interests in maintaining Platform security, preventing fraud, and improving our services — provided these interests are not overridden by your rights;
• Consent: For marketing communications and non-essential cookies, cowins88 relies on your freely given, specific, and informed consent. You may withdraw consent at any time without affecting the lawfulness of prior processing.

6Sharing Your Data

cowins88 does not sell your personal data to third parties. We may share your data with the following categories of recipients, strictly on a need-to-know basis:

• Payment Processors: GCash, PayMaya, BPI, BDO, Metrobank, and other payment service providers, to process your financial transactions;
• Identity Verification Providers: Third-party KYC and AML compliance service providers who assist us in verifying your identity and monitoring transactions for suspicious activity;
• Technology Partners: Cloud hosting providers, cybersecurity firms, and software vendors who support the operation of the cowins88 Platform under strict data processing agreements;
• Regulatory Authorities: PAGCOR, the National Privacy Commission (NPC), the Anti-Money Laundering Council (AMLC), and other Philippine government authorities, where required by law or regulatory obligation;
• Law Enforcement: Philippine law enforcement agencies, where cowins88 is legally compelled to disclose data in connection with a criminal investigation or court order.

7Cookies & Tracking

cowins88 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 cowins88 website. We use the following types of cookies:

• Strictly Necessary Cookies: Essential for the Platform to function. These include session authentication cookies that keep you logged in to your cowins88 account. These cannot be disabled.
• Performance Cookies: Collect anonymized data about how visitors use the Platform — such as which pages are visited most often and whether error messages are received. This helps us improve Platform performance.
• Functional Cookies: Remember your preferences, such as your preferred language or display settings, to provide a more personalized experience on cowins88.
• Analytics Cookies: Help us understand player behavior in aggregate so we can make data-driven improvements to the Platform. Data collected is anonymized and not linked to individual accounts.

You can control non-essential cookies through your browser settings. Please note that disabling certain cookies may affect the functionality of the cowins88 Platform. Strictly necessary cookies cannot be disabled as they are required for the Platform to operate.

8Data Retention

cowins88 retains your personal data only for as long as necessary to fulfill the purposes for which it was collected, or as required by applicable Philippine law. The following general retention periods apply:

• Account Data: Retained for the duration of your cowins88 account and for a minimum of five (5) years following account closure, in compliance with PAGCOR and AML record-keeping requirements;
• Transaction Records: Retained for a minimum of five (5) years from the date of each transaction, as required by the Anti-Money Laundering Act;
• KYC Documents: Retained for a minimum of five (5) years following the end of the business relationship, or longer if required by a regulatory authority;
• Support Communications: Retained for up to three (3) years from the date of the last interaction, unless a longer period is required for dispute resolution;
• Marketing Consent Records: Retained for as long as you remain subscribed to marketing communications, plus a reasonable period thereafter to demonstrate compliance.

When personal data is no longer required, cowins88 will securely delete or anonymize it in accordance with our internal data disposal procedures.

9Your Rights

Under the Data Privacy Act of 2012, you have the following rights in respect of your personal data held by cowins88. To exercise any of these rights, contact our Data Protection Officer at [email protected].

10Data Security

cowins88 implements appropriate technical and organizational security measures to protect your personal data against unauthorized access, accidental loss, destruction, or disclosure. Our security measures include:

• SSL/TLS Encryption: All data transmitted between your device and the cowins88 Platform is encrypted using industry-standard SSL/TLS protocols;
• Access Controls: Personal data is accessible only to authorized cowins88 personnel who require it to perform their job functions, under strict role-based access controls;
• Secure Storage: Personal data is stored on secure servers with physical and logical access controls, regular security audits, and intrusion detection systems;
• Password Security: Account passwords are stored using strong one-way hashing algorithms. cowins88 staff cannot view your password in plain text;
• Incident Response: cowins88 maintains a data breach response plan. In the event of a personal data breach that poses a risk to your rights, we will notify the National Privacy Commission and affected players in accordance with applicable law.

While cowins88 takes all reasonable steps to protect your data, no online platform can guarantee absolute security. You are responsible for keeping your cowins88 login credentials confidential and for notifying us immediately if you suspect unauthorized access to your account.

11Children's Privacy

The cowins88 Platform is strictly intended for adults aged 21 years and above, in accordance with Philippine gambling regulations. cowins88 does not knowingly collect personal data from persons under the age of 21.

If cowins88 discovers or is notified that personal data has been collected from a person under 21 years of age, we will immediately close the associated account, delete all related personal data, and handle any funds in accordance with applicable PAGCOR guidelines.

If you are a parent or guardian and believe that your child has registered a cowins88 account, please contact us immediately at [email protected] so we can take prompt action.

12Changes to This Policy

cowins88 reserves the right to update or amend this Privacy Policy at any time to reflect changes in our data practices, legal obligations, or Platform features. When material changes are made, we will update the "Last Updated" date at the top of this page.

For significant changes that materially affect how we process your personal data, cowins88 will provide additional notice via email or an in-Platform notification where reasonably practicable. Your continued use of the cowins88 Platform following the posting of an updated Privacy Policy constitutes your acceptance of the revised terms.

We recommend reviewing this Privacy Policy periodically to stay informed about how cowins88 protects your personal data.

13Contact Us

If you have any questions, concerns, or requests relating to this Privacy Policy or the way cowins88 handles your personal data, please contact our Data Protection Officer: