phjoin98 Privacy Policy

01 Introduction

phjoin98 ("we," "us," "our," or "the Platform") is committed to protecting the privacy and personal data of all users who access or register on the phjoin98 website at phjoin98.vip and any associated services (collectively, the "Platform").

This Privacy Policy has been prepared in accordance with the Republic Act No. 10173, also known as the Data Privacy Act of 2012 of the Philippines (the "DPA"), its Implementing Rules and Regulations, and the guidelines issued by the National Privacy Commission (NPC). It applies to all personal data collected, processed, and stored by phjoin98 in connection with your use of the Platform.

By registering an account on phjoin98 or otherwise using the Platform, you acknowledge that you have read and understood this Privacy Policy and consent to the collection and processing of your personal data as described herein. If you do not agree to this Privacy Policy, you must not use the phjoin98 Platform.

This Privacy Policy should be read together with our Terms & Conditions and Responsible Gaming Policy, both of which are incorporated herein by reference.

02 Data We Collect

phjoin98 collects the following categories of personal data from users of the Platform:

phjoin98 does not intentionally collect sensitive personal information (as defined under the DPA) beyond what is strictly necessary for identity verification and regulatory compliance. Where sensitive data is collected, it is handled with the highest level of security and access controls.

03 How We Collect Data

phjoin98 collects personal data through the following means:

• Direct interactions: Data you provide when registering an account, completing KYC verification, making deposits or withdrawals, contacting support, or participating in promotions.
• Automated technologies: Technical and usage data collected automatically when you access the Platform, including through cookies, web beacons, log files, and similar tracking technologies.
• Third-party sources: Identity verification data from KYC service providers; fraud screening data from anti-fraud partners; payment data from GCash, PayMaya/Maya, and banking partners; and publicly available information where relevant to regulatory compliance.

04 How We Use Your Data

phjoin98 uses your personal data for the following purposes:

• Account registration and management: Creating and maintaining your phjoin98 account, verifying your identity, and managing your account preferences.
• Transaction processing: Processing deposits, withdrawals, and bonus payments in Philippine Peso (₱) via GCash, PayMaya/Maya, and supported bank channels.
• Regulatory compliance: Fulfilling our obligations under PAGCOR regulations, the Anti-Money Laundering Act (AMLA), the Data Privacy Act, and other applicable Philippine laws, including KYC and transaction monitoring requirements.
• Fraud prevention and security: Detecting, investigating, and preventing fraudulent activity, money laundering, and other illegal conduct on the Platform.
• Responsible gaming: Monitoring usage patterns to identify potential problem gambling behaviour and administering responsible gaming tools such as deposit limits, loss limits, and self-exclusion.
• Customer support: Responding to your enquiries, resolving disputes, and providing technical assistance.
• Marketing and promotions: Sending you information about phjoin98 promotions, bonuses, and new features — but only where you have provided consent or where we have a legitimate interest to do so. You may opt out of marketing communications at any time.
• Platform improvement: Analysing usage data to improve the performance, features, and user experience of the phjoin98 Platform.

05 Legal Basis for Processing

Under the Data Privacy Act of 2012, phjoin98 processes your personal data on the following legal bases:

• Consent: Where you have given explicit consent to the processing of your personal data for a specific purpose (e.g., marketing communications).
• Contractual necessity: Where processing is necessary to perform the contract between you and phjoin98 (i.e., the Terms & Conditions governing your use of the Platform).
• Legal obligation: Where processing is required to comply with applicable Philippine laws and regulations, including PAGCOR licensing requirements, AMLA obligations, and NPC guidelines.
• Legitimate interests: Where processing is necessary for phjoin98's legitimate business interests, such as fraud prevention, platform security, and service improvement, provided those interests are not overridden by your privacy rights.

06 Data Sharing

phjoin98 does not sell, rent, or trade your personal data to unaffiliated third parties for their own marketing purposes. We may share your personal data with the following categories of recipients, strictly on a need-to-know basis:

• Payment processors: GCash, PayMaya/Maya, and banking partners (BPI, BDO, Metrobank, UnionBank, Landbank, PNB, Security Bank) to process your financial transactions.
• KYC and identity verification providers: Third-party services that assist phjoin98 in verifying your identity and age in compliance with PAGCOR and AMLA requirements.
• Fraud prevention and security partners: Service providers that help phjoin98 detect and prevent fraudulent activity, money laundering, and other illegal conduct.
• Game content providers: Software providers whose games are hosted on the phjoin98 Platform, to the extent necessary for game operation and fairness auditing.
• Regulatory and law enforcement authorities: PAGCOR, the Anti-Money Laundering Council (AMLC), the National Privacy Commission (NPC), and other competent Philippine authorities, where required by law or regulatory obligation.
• Professional advisers: Lawyers, auditors, and accountants engaged by phjoin98, subject to professional confidentiality obligations.

07 Data Retention

phjoin98 retains your personal data only for as long as necessary to fulfil the purposes for which it was collected, or as required by applicable law. The following general retention periods apply:

• Account and identity data: Retained for the duration of your account and for a minimum of five (5) years after account closure, in compliance with PAGCOR and AMLA record-keeping requirements.
• Transaction and financial data: Retained for a minimum of five (5) years from the date of the transaction, as required under the Anti-Money Laundering Act.
• Support and communications data: Retained for three (3) years from the date of the last interaction, for dispute resolution and quality assurance purposes.
• Technical and usage data: Retained for up to twelve (12) months, after which it is anonymised or deleted.
• Marketing consent records: Retained until you withdraw consent or for three (3) years from the date of consent, whichever is earlier.

Upon expiry of the applicable retention period, phjoin98 will securely delete or anonymise your personal data in accordance with its data disposal procedures.

08 Data Security

phjoin98 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 transmitted between your device and the phjoin98 Platform.
• Encryption at rest for sensitive personal and financial data stored on phjoin98 servers.
• Multi-factor authentication (MFA) options for user accounts to prevent unauthorised access.
• Role-based access controls ensuring that phjoin98 staff can only access personal data necessary for their specific job functions.
• Regular security audits and penetration testing conducted by independent third-party security specialists.
• Intrusion detection and prevention systems monitoring the Platform infrastructure 24/7.

While phjoin98 takes all reasonable steps to protect your data, no method of electronic transmission or storage is 100% secure. You are responsible for maintaining the confidentiality of your phjoin98 account credentials and for notifying us immediately if you suspect any unauthorised access to your account.

09 Cookies & Tracking Technologies

phjoin98 uses cookies and similar tracking technologies to enhance your experience on the Platform, maintain session security, and analyse usage patterns. The following types of cookies are used:

• Strictly necessary cookies: Essential for the Platform to function correctly, including session management, login authentication, and security features. These cannot be disabled.
• Functional cookies: Remember your preferences such as language settings, display options, and game history to personalise your experience.
• Analytics cookies: Collect anonymised data about how users interact with the Platform to help phjoin98 improve performance and usability.
• Security cookies: Used to detect and prevent fraudulent activity, bot traffic, and other security threats.

You can manage your cookie preferences through your browser settings. Please note that disabling certain cookies may affect the functionality of the phjoin98 Platform. phjoin98 does not use third-party advertising cookies or share cookie data with advertising networks.

10 Your Rights Under the Data Privacy Act

As a data subject under the Philippine Data Privacy Act of 2012, you have the following rights with respect to your personal data held by phjoin98:

• Right to be informed: The right to know what personal data phjoin98 collects about you and how it is used — which is the purpose of this Privacy Policy.
• Right of access: The right to request a copy of the personal data phjoin98 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 phjoin98's legal retention obligations.
• Right to object: The right to object to the processing of your personal data for direct marketing purposes or where processing is based on legitimate interests.
• Right to data portability: The right to receive your personal data in a structured, commonly used, machine-readable format.
• Right to lodge a complaint: The right to file a complaint with the National Privacy Commission (NPC) if you believe your data privacy rights have been violated.

To exercise any of these rights, please contact phjoin98's Data Protection Officer (DPO) using the contact details in Section 14 of this Policy. phjoin98 will respond to all verified data subject requests within thirty (30) days of receipt, in accordance with NPC guidelines.

11 Minors

The phjoin98 Platform is strictly intended for users who are 21 years of age or older, as required under Philippine law for participation in casino-style gambling activities. phjoin98 does not knowingly collect personal data from individuals under the age of 21.

If phjoin98 becomes aware that personal data has been collected from a person under 21 years of age, the account will be immediately suspended, all associated data will be deleted, and any deposits will be returned in accordance with applicable regulations.

If you are a parent or guardian and believe that your child has registered on phjoin98, please contact us immediately at the details provided in Section 14 so that we can take prompt action.

12 International Data Transfers

phjoin98 primarily processes and stores personal data within the Philippines. In certain circumstances, personal data may be transferred to, or accessed by, service providers located outside the Philippines — for example, cloud infrastructure providers or international game software suppliers.

Where such transfers occur, phjoin98 ensures that appropriate safeguards are in place to protect your personal data, including:

• Transferring data only to countries or organisations that provide an adequate level of data protection as recognised by the NPC.
• Implementing contractual clauses in agreements with international service providers that require them to protect your data to standards equivalent to those required under the Philippine Data Privacy Act.

13 Changes to This Privacy Policy

phjoin98 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. The date of the most recent revision is displayed at the top of this page.

For material changes to this Privacy Policy, phjoin98 will provide at least seven (7) days' advance notice to registered users via email or in-platform notification before the changes take effect. Your continued use of the phjoin98 Platform after the effective date of any amendment constitutes your acceptance of the revised Privacy Policy.

We encourage you to review this Privacy Policy periodically to stay informed about how phjoin98 protects your personal data.

14 Contact & Data Protection Officer

phjoin98 has appointed a Data Protection Officer (DPO) responsible for overseeing compliance with the Data Privacy Act of 2012 and this Privacy Policy. If you have any questions, concerns, or requests regarding your personal data or this Privacy Policy, please contact:

You also have the right to lodge a complaint directly with the National Privacy Commission (NPC) of the Philippines if you believe that phjoin98 has not handled your personal data in accordance with the Data Privacy Act of 2012.